摘要
效率和风险问题始终是银行业难以调和的两难问题,从银行监管与市场机制培育相结合的角度探讨我国商业银行的风险控制有着重要的理论和现实意义。论文通过对比我国商业银行同发达国家在银行监管、内部控制、社会监督以及银行风险处理等方面的差距,得出了我国商业银行应该借鉴发达国家银行风险综合控制方法的结论,进而给出了区分银行信用同国家信用、强化银行风险意识、完善银行内控制度建设、发挥社会中介机构的作用等建议。
Efficiency and risk tradeoff are always the difficulty in banking industry. The research of risk control of Chinese commercial banks in the perspective of the combination of bank supervision and market mechanism development is of great theoretical and practical importance. This paper compares the differences in bank supervision, internal control, social overseeing and bank risk management of Chinese commercial banks and their foreign counterparts and draws the conclusion that Chinese commercial banks should use the comprehensive control methods of bank risks in the developed countries for reference. It also puts forward some suggestions, including distinguishing bank credit and state credit, enhancing banks' awareness of risks, perfecting the system of internal control of banks and bringing about the functions of social intermediate institutions.
出处
《中山大学学报（社会科学版）》
CSSCI
北大核心
2003年第5期99-102,共4页
Journal of Sun Yat-sen University(Social Science Edition)
