基于“BLISHER”框架的中国商业银行业发展优化探讨

Analysis on Optimization of the Development of China's Commercial Banks:Based on the Frame of "BLISHER"

对于一个特定的金融体系而言,其脆弱性程度主要取决于"BLISHER"框架的以下七个要素:资产负债表、杠杆率、相互依存度、市场结构、同质性、外部关联度、风险监测和纠正能力。对于商业银行业而言,可以将"BLISHER"框架运用到其脆弱性风险分析中去。本文基于"BLISHER"分析框架,分析了商业银行业发展的脆弱性风险,并提出商业银行业业务发展的优化路径及相关政策建议以更好地促进商业银行业的发展。

For a particular financial system,its vulnerability mainly depends on the degree of the following seven factors：balance sheet 、 leverage 、 interdependence 、 structure 、 homogeneity 、 external linkage 、 review and correction（BLISHER）.We can apply the framework of ＂BLISHER＂ to the analysis of the vulnerability risk of commercial banks.In this paper,based on the analysis of framework of ＂BLISHER＂,there are many aspects which will be talked including the analysis of vulnerability risk of the development of the commercial banks,some optimized suggestions to the development of the business of commercial banks and some further suggestions to promote the development of commercial banks.