构建风险管理长效机制的路径选择

The Establishment of Long-run Effective Risk Management Regime

本文从当前我国银行业面临的微观风险和宏观风险出发,论证了建立风险管理长效机制的必要性。在风险管理长效机制建设中,银行监管部门和商业银行自身承担着不同的职责,是机制建设的两大组成部分。本文提出,监管的重点在风险监管理念、组织体系、预警监测体系、窗口指导和制度规范体系,以及责任追究机制的完善;银行则应侧重风险管理体制和技术建设。两者的结合是全面管理宏观、微观金融风险,确保中长期金融安全的必要路径选择。

This paper shows the necessity of long- run effective risk management regime through studies on micro and macro risks of banking sector. Banking regulator and banks should cooperate in the regime construction, in which the former focuses on regulation philosophy, organizational structure, early- warning system, and rules; while the latter should introduce advanced risk management system and techniques.