商业银行系统性风险管理:国际经验与中国实践

Commercial Bank System Risk: International Experience and Chinese Practice

银行业的系统性风险将会对我国整个金融体系的稳健运行产生决定性影响,因此,银行业的系统性风险不仅是后危机时代我国商业银行风险管理的重点,又是理解我国金融业整体系统性风险的关键。次贷危机凸显了商业银行系统性风险管理的重要性。为了规避风险,应该借鉴国际通行的管理经验,结合我国银行业的现实情况,对我国商业银行的系统性风险进行分析,从推动市场化改革、减少对房地产业依赖、扩大非利差收入等方面入手,不断降低商业银行业的系统性风险。

Sub-prime crisis has highlighted the importance of systemic risk of banking.This paper examines the systemic risk and management of commercial banks of china in the post-crisis era.We argue that the potential systemic risks including government actions,real estate loans,interest rate and so on.On this basis,the paper suggests that we should promote market-oriented reforms,reduce the reliance on real estate and expand the non-spread revenue and other aspects of commercial banks to reduce systemic risk.