次贷危机对中国银行业的启示:风险联动与ERM

The Implication of Sub-prime Mortgage Crisis to Chinese Banking Industry:Risk Interconnection and ERM

次贷危机对现代银行业的风险管理提出了严峻挑战。从金融风险联动角度进行分析,这次危机的启示集中在充分认识现代金融风险的联动特征,夯实金融机构的全面风险管理上。汲取危机的经验和教训,加强中国银行业的全面风险管理,对中国金融业在今后的开放和发展进程中保持稳健运行具有特别重要的意义。

Sub -prime mortgage crisis of America brings great challenges to the risk management of modem banking industry. Analyzing from the perspective of risk interconnection, the author believes that the implication of the crisis focuses on the fully understanding of the interconnection characteristics of modem financial crisis, and the strengthen of the overall risk management of financial organizations. We have to borrow the experience, learn from the lessons of the crisis, and strengthen of the overall risk management of Chinese banking industry. It is important for Chinese financial industries to keep stable operation in the future during its open and the development process.