构建商业银行风险防范机制的探讨

Investigation on buildng the mechanism of risk counter－measures for commercial banks

构建有效的金融风险防范机制应包括：宏观上：强化中央银行监管力度，规范商业银行经营行为；微观上：完善资产负债比例管理，增强自我调节功能；参照国际金融界惯例和经验，建立贷款风险约束机制；强化信贷行为约束，提高营运资产质量；加强内部监督检查。

In order to build the effective m echanism of financial risk counter－measures;macroscopically,we should strengthe n the supervision and administration of Central Bank,and normalize the operation of commercial banks.microscopically, we should perfect the administration on th e proportion of assets and liabilities;to enhance autoregulation function,consul t the international financial practices and experiences,to build the restriction system on loan risk;strengthen the restriction for credit action to improve the quality of operating property and tighten up the internal supervision and inspe ction to form a perfect restriction system on management.