中国民营银行风险与防范

Risks of Individual-Owned Finance in China and Means to Guard Against Them

银行业是高风险行业,增强风险观念,强化风险管理始终是银行业经营管理的永恒话题。对即将成立的中国民营银行而言,风险管理和控制是其经营管理中不容忽视的重要内容。民营银行的民营股份制特征决定了民营银行具有一般银行所不具有的特殊风险,针对特殊风险,采取对应措施,才能保证民营银行的稳健经营。

Banking being a trade of great risks, to have a keen sense of risks and to strengthen the management of risks have always remained an everlasting topic in the management of commercial banks. For the individual-owned banks to be founded soon, the management and control of risks is the important content that can never be neglected. The individual-owned banks have to deal with the general risks that all banking has to encounter. Meanwhile, the special characteristics of individual banking corporations determine their special risks. Relevant measures must be taken to guard against and defuse their special risks.