商业银行抵销管理模式研究

A Study of the Offsetting Management Mode of Commercial Bank

抵销作为银行主动管理风险、积极维护债权、提供优质服务的有效工具,在当前的社会、经济、法律背景下研究推广具有特别的现实意义。基于抵销理论探索和国内大型商业银行抵销管理经验,本文研究了国内商业银行抵销管理模式。该模式包括四大关键要素,即建立完备的抵销法律制度平台,建立高效的抵销信息管理平台,建立监控检查与培训宣传的支持机制,建立调查、研究与闭环管理的发展机制。在该模式下,商业银行能够系统化、高效率、可持续行使抵销权,维护自身合法权益,进而推动实现"诚信友爱"的和谐社会。

Offsetting is an effective tool for banks to manage risk proactively, protect claims actively and provide high quality service. It is practically significant to research and promote the offsetting in the current social, economic and legal backgrounds. Based on the theoretical exploration and the experience of the offsetting management of domestic large commercial banks, this paper research the offsetting management mode of commercial bank. The mode consists of four key elements, namely the establishment of a complete legal system platform for offsetting, the establishment of an efficient platform for the management of offsetting information, the establishment of the support mechanism for monitoring, inspection, training and propaganda, the establishment of the development mechanism for investigation,study and closed-loop managemen. In this mode, the commercial banks can systemically, efficiently, sustainably exercise their own powers of offsetting, protect their own legitimate rights and interests, thus promote the realization of an honest, friendly and harmonious society.