建立健全银行行长法人责任机制刍议

防范金融风险有银行体制、内部控制、人员素质等多方面的因素 ,但笔者认为最关键的是 :从法律上确认商业银行各分支机构行长的法人代表地位 ,使其行使法人的权利 ,履行法人的责任 ,强化内部管理机制 ,同时还要建立健全对分支机构行长的任期审计和严格的责任追究制度。

The ways of keeping financial risks away consist of many factors such as the banking system , the internal control and the employees' quality and so on.But in the author's opinion the most important of all is as follows:to confirm the artificial person's position of the presidents of the commercial bank's branches,to enable them to exert the artificial person's right and implement the artificial person's responsibility , to strengthen the internal management system and meanwhile to establish and consummate the auditing and responsibility investigation system during the period when the presidents of the branches are holding the post.