论银行业的稳健经营与风险监管

Steady Operation and Risk Management in Banking

银行业的安全与稳健是关系国家经济稳定和社会稳定的一个非常重要的问题。在我国银行的发展受国家宏观经济政策和周边社会信用环境的影响较大,同时银行巨额不良资产、企业信用资源缺失使我国银行业的稳健经营困难重重。风险监管的核心在于制度建设。为了确保银行业的稳健经营,银行业要做到:加强银行内部控制制度的建设与完善;按照巴塞尔协议精神实行充足的资本金制度;优化和净化银行业的外部经营环境;加强对银行业的风险监管。

The security and stability of the banking industry is closely related to the economic and social stability of a country. In China, the development of banks has been greatly affected by the national macro economic policy and the peripheral environment of social credit and, at the same time, the large amounts of bad assets and loss of enterprise credit resources have posed great difficulties for the stable operation of the banking business. The core of risk management lies in the establishment of a system and, in order to ensure its healthy development, the banking industry should further construct and perfect its internal control system, formulate a sufficient capital system in the spirit of the Basel Agreement, optimize and purify the outer operational environment of the banking industry and reinforce its risk management.