利率市场化下商业银行信用风险法律防控浅析

On Legal Prevention of Commercial Bank Credit Risk in Market-oriented Interest Rate Reform

随着利率市场化的进程进一步加快,我国商业银行信用风险法律防控制度并未完善,具体表现为商业银行信用风险内部防控体系存在缺陷,外部监管制度存在问题以及配套措施不足。推动利率市场化的成功需要建立充分的法律保障体系,不断完善商业银行信用风险法律防控制度。

The process of market-oriented interest rate reform is further speeding up,but China＇s legal prevention of commercial bank credit risk is not perfect.The internal control system of commercial bank credit risk is flawed and external supervision system and supporting measures existed problems.To promote the success of the market-oriented interest rate reform a full legal guarantee system need to be established,and the legal prevention system of commercial bank credit risk is to be promoted.