完善商业银行贷款集中风险监管法律制度

On Improving the Legal System of Loan Concentration Risk Regulation in Commercial Banks

在对各国贷款集中风险控制法律制度进行比较研究的基础上,可以看出我国贷款集中风险监管法律制度存在诸多不足之处,建议从价值定位、集中限制、统一立法模式、监管体制四个方面进行完善。

On the basis of an international comparison of the legal system of loan concentration risk control, the author perceives that there are several defects in our system. He suggests we should make improvements on the four aspects: value orientation, concentration restriction, uniform legislative model, and regulatory system.