综合化经营下商业银行交叉业务风险防控

Research on Cross-business Risks for Commercial Banks under Comprehensive Management

伴随着国内金融业改革推进,综合化经营已逐渐成为银行业发展的明显趋势。目前,我国银行综合化经营过程中存在着大量内、外部交叉业务,衍生累积的交叉风险严重威胁到银行业和金融体系的安全,研究交叉业务风险对银行综合化经营有着重要的理论和现实意义。从银行综合化经营背景下交叉业务内涵、模式入手,分析交叉业务风险的特点及风险传染机制,为防范银行交叉业务风险提出建议,有助于推动银行综合化经营安全进行。

With the reform of domestic financial regulations,the comprehensive management has gradually become an obvious trend in the development of banking industry. At present,there is a large amount of internal and external financial business in bank comprehensive management. The cross-business risk derived from the accumulation of the internal and external financial business poses a serious threat to the safety of banking and financial system. The research of cross-business risks on banks＇ comprehensive management has important theoretical and practical significance. This study discusses the connotation and mode of cross-business under the background of comprehensive management,analyzes the characteristics of the cross-business risks and the risk transmission mechanism,so as to offer suggestions for prevention of the cross-business risks.