摘要
二战结束后,日本利率政策基本经历了三个阶段的历史变革,每个阶段都对国内商业银行的发展产生了重要影响。日本商业银行在前两个阶段中经历了风险酝酿和危机爆发后,于第二个阶段末开始加强风险管理,使银行系统的稳定性得以提升。我国当前的利率市场化改革给商业银行发展带来了相对复杂的外部环境,日本商业银行风险管理的经验和教训对于我国商业银行加强风险管理建设具有借鉴意义。
After World War Ⅱ,Japan′s interest rate policy has experienced three stages of historical changes basically,and each stage had a major effect on the development of domestic commercial banks.Japan′s commercial banks experienced risk brewing and outbreak in the beginning two stages,and began to manage risk in the late of the second stage,which enhanced the stability of banking system.China′s current reform of interest rate marketization has changed the external environment of commercial banks.Experience and lessons of Japan′s commercial banks risk management can give some enlightenment to construction of risk management of China′s commercial banks.
出处
《商业研究》
CSSCI
北大核心
2012年第4期1-6,共6页
Commercial Research
关键词
利率政策
利率市场化
商业银行
风险管理
interest rate policy
interest rate marketization
commercial banks
risk management
