西部国有商业银行面临的风险及防范

Risk and Its Avoidance of State-owned Commercial Banks in Western China

随着我国金融体制改革日益深化,国有商业银行风险日趋增大,而对处于西部的商业银行来说又更多地面临“西部大开发战略”带来的机遇和挑战。本文探讨了我国西部国有商业银行风险的成因及风险防范框架,认为应该从外部监管和内部改革两方面出发,以商业银行股份制改革为依托,以大开发为契机,对银行体系进行变革,提出了针对西部国有商业银行的风险防范框架。

As China has being reforming its financial system further, the risk of state - owned commercial banks is increasing, while for the state - owned commercial banks in western China, they are facing more challenges and opportunities with the ＂Grand Western Development Strategy＂. This article probes into the causes and avoidance framework of the risks faced them. the author hold that we should start flora both internal reform and external supervision and base on stock reform of commercial banks to further reform banking system, and finally suggests the risk avoidance framework.