国内银行业所面临的市场风险特点及政策建议

China’s banking industry: Market risk features and policy-related suggestions

今年以来,美国次贷危机进一步恶化,全球经济增长明显放缓,金融危机有向实体经济扩散的态势,而我国金融市场与国际市场的关联度也日趋提高。随着国际经济金融动荡的加剧,商业银行面临的市场风险管理难度也逐渐加大。该文分析了当前国内银行业面临的市场风险特点,并从监管部门和商业银行两个角度提出相应的政策建议。

In 2008, amid the worsening US subprime crisis, global economic growth is getting bogged down. The financial crisis is likely to spread to the real economy; and China＇s financial market is increasingly tied up with the international market. The increasing volatility in the world finance and economy means that managing market risks becomes a tougher task for commercial banks. This paper analyzes the characteristics of market risks facing China＇s banking industry and comes up with policy-related suggestions from the perspective of the regulatory authority as well as commercial banks.