试论商业银行实施依法治行

A trial comment on commercial bank's management according to law

防范和化解金融风险是当前金融工作的重中之重。随着金融体制改革的进一步深化 ,客观上要求商业银行必须增强自我约束能力 ,坚持走依法稳健经营的路子。而加强内控制建设 ,实施依法治行 ,是商业银行防范和化解金融风险 ,实施依法稳健经营的根本保证。本文认为 ,依法治行主要解决的是商业银行“效益性、安全性、流动性”经营原则中的安全性问题 ,强调实施依法治行不仅包括正确运用金融法律法规管理本行工作 ,更重要的是 ,一切业务活动都必须建立在法律法规的基础之上 ,切实做到依法合规经营、依法管理。

Guarding and converting financial risks is the most important works in the financial task.Commercial bank must strengthen binding force,and keep the way of steady management according to law.If the commercial bank wants to guard and convert financial risks ,manage the bank according to law steadily,the basic guarantee is strengthing the internal control system and managing the bank according to law.The main object under the management according to law is to solve the question of the commercial bank’s security,which is one of the admnistrative principle 'profitability、security、liquidity'.The management according to law includes not only that we should utilize financial laws and regulations to administer our own banking work correctly ,the more important is that all business must be built on the basis of laws and regulations in order to realize management according to law and administration according to law feasibly.