试论商业银行法律风险——从《巴塞尔新资本协议》看银行法律风险

On the Legal Risks of Commercial Banks

巴塞尔银行监管委员会《统一资本计量和资本标准的国际协议:修订框架》,将法律风险纳入了银行资本充足率监管框架,要求银行采用规定的方法计量法律风险,并以此为基础确定其资本标准。本文从法律风险定义入手,论述银行法律风险的分类、成因、特性、表现形式及可控性,提出银行法律风险管理与控制的思路和方法。

The International Convergence of Capital Measurement and Capital Standards： Revised Framework which founded by the Basel Committee, has incorporated the legal risks into the banking regulatory framework of capital adequacy ratio.Also, the framework requires banks to adopt the provisions of legal risk measurement methods as the basis for determining their capital standards. This paper, by starting from the definition of legal risks, analyzes the classification, causes, characteristics, performance and controllability of the legal risks of commercial banks. Ideas and methods are provided to enhance and perfect the legal risk management and control of commercial banks.