我国商业银行风险预警机制的构建

The Risk-Warning Mechanism of the Commercial Bank

相对于国外的银行监管机制而言,目前我国商业银行风险防范和预警机制仍不完善,风险管理手段也相对落后。在分析商业银行原有风险预警机制缺陷的基础上,构建了由财务、非财务及EVA等指标体系组成的信贷风险预警系统,并探讨了该系统的实证分析案例,旨在为我国金融监管机构准确评估当前金融危机环境下商业银行的风险状况提供决策依据。

Today in our country the warning mechanism of bank is not perfect, and the risk management is also relatively backward. So the assay analyzes it, s defects , and build the warning system composed of financial inde- xes, non - financial indexes and EVA indexes, so that we can accurately asses the risk of bank in the financial cri- SlS.