金融开放背景下银行稳定的新内涵

New Connotation of Banking Stability in the Background of Financial Opening

近年来频繁发生的金融危机给世界经济带来了巨大冲击,许多国家出现了银行倒闭的现象,再次警示了保持银行稳定对维护金融体系稳定与安全的极端重要性。在金融开放背景下,要根据新变化、新因素、新形势理解银行稳定的内涵。银行稳定指金融开放背景下,银行业具有持续的清偿能力,既能抵御和控制来自银行内部的风险,又能在面临外部危机传染与信息迅速传播扩散时,适时调整,避免和防范银行危机发生,保持正常运行与发展的状态。银行稳定并不是静止和一成不变的,而是具有动态、发展的特征;银行稳定并不意味着没有风险,风险是客观存在的;在强调银行稳定运行的同时,也要重视银行的运营效率。此外,为更好地理解银行稳定问题,还要认清银行危机、银行风险与银行稳定之间的区别与联系。

The financial crisis has brought a huge impact on the world economy in recent years. Many countries have experienced the phenomenon of bank failures. It also warns that keeping bank stability is extremely important for maintaining financial system stability and security once again. In the background of financial opening, we should understand the connotation of banking stability according to the new changes, new factors and the new situation. Banking stability stands for the banks＇ sustainable solvency in the background of financial opening and the capability for avoiding and controlling the internal risk, avoiding and preventing banking crisis and maintaining the normal situation of operation and development. Banking stability has the characteristics of dynamics and development; banking stability does not stand for risk-free, and the risk is the objective existence; while emphasizing the importance of banking stability, we should also pay more attention to the operational efficiency. Besides, to better understand the implication of banking stability, we should fully understand the difference and relation among bank crisis, banking risk and banking stability.