宏观审慎评估与商业银行经营转型

Macro-Prudential Assessment and Business Transition of Commercial Banks

近年来金融业的新变化为系统性风险的形成和传播提供了条件,为加强宏观审慎管理,央行自2016年起将原来的差别准备金动态调整和合意贷款管理机制升级为宏观审慎评估体系,强化对不同类型金融机构的监管。本文以宏观审慎评估体系为主线,以分析其核心理念和核心约束为切入点,重点讨论宏观审慎评估如何引导商业银行稳健经营,分析宏观审慎评估对商业银行经营管理带来直接、间接的影响,结合商业银行管理实践提出如何以宏观审慎评估管理的精髓为导向,主动调整经营管理策略,坚持稳健发展。

In recent years, new changes in the financial industry have provided conditions for the formation and spread of systemic risks. In order to strengthen macro-prudential management, the central bank has upgraded the original differential reserve dynamic adjustment and agreeable loan management mechanism into a macro-prudential evaluation system since 2016, and strengthened the supervision of different types of financial institutions.Taking the macro-prudential evaluation system as the main line and the analysis of its core concepts and constraints as the breakthrough point, this paper focuses on discussing how macro-prudential evaluation guides the steady operation of commercial banks, analyses the direct and indirect impact of macro-prudential evaluation on the operation and management of commercial banks, and puts forward how to take the essence of macro-prudential evaluation management as the guide and take the initiative in combination with the management practice of commercial banks. We should adjust our management strategies and adhere to sound development.