摘要
影响民营银行经营风险的主要因素有居民信任风险、关联交易风险和存款不足风险等。防范民营银行经营风险可从以下六个方面着手:一是进行财务分配制度创新,提高居民信任度;二是建立关联交易的监管技术,防范关联交易风险;三是尽快建立存款保险制度,吸纳存款;四是限制股东信用贷款数量,避免内部人控制风险;五是服务县域经济,提高在行业中的竞争力;六是构建良好的信用环境,防范违约风险。
The main sources of the business risk of private bank are risk of residents＇ trust, risk of related party transactions and risk of insufficient funds.There are six suggestions to prevent the business risk of private bank. Firstly, private bank can innovate the financial allocation system to improve residents＇ trust; Secondly, private bank could establish a regulatory technology of related party transactions to prevent the risk of related party transactions; Thirdly, we should build a deposit insurance system as soon as possible to attract deposits; Fourthly, private bank can limit the number of shareholders＇ credit loans to avoid the risk of internal control; Fifthly, private bank may service remote areas to improve competitiveness in the industry; Finally, we need to build a good credit environment to prevent the risk of breaking a contract.
出处
《湖北经济学院学报》
2015年第2期24-30,共7页
Journal of Hubei University of Economics
