外资银行资产风险集中度监管比较研究及启示

A Comparative Research and Enlightenment on the Supervision of Foreign Banks' Asset Risk Granularity

资产风险集中度是各国外资银行审慎监管制度体系顺利运行的前提与基础,在对比各国银行法中有关外资银行资产集中度的监管规定基础上,应从以下几方面完善我国现有监管制度体系,一是根据法律地位的不同,在与母国签订双边监管合作协议的框架下,对外资银行子行、合资银行和分行提出不同的监管资本充足率要求;二是以全面风险管理流程为基础,增强现有监管制度的弹性和有效性;三是建立大额风险敞口定期报告及预警机制。

Asset risk granularity is the precondition and foundation of the favorable function of the strict supervision system in foreign banks.By comparing supervision regulations on asset granularity in the banking laws of China and other countries, this article points out the main improvements on the supervision system of China in the following three respects： putting forward different requirements of capital adequacy for subsidiaries, joint banks and branches under the framework of signing supervision cooperative agreement with the home country according to their different legal status; improving the flexibility and effectiveness of regulations based on the comprehensive risk management process; setting up the mechanism of risk exposure periodic report of large amounts and the mechanism of forewarning.