西部后发地区城市商业银行系统性金融风险测度——基于综合指数法的分析

Measurement of Systematic Financial Risks of Urban Commercial Banks in China’s Western Underdeveloped Regions--Based on Comprehensive Index Analysis

城市商业银行系统性金融风险不仅关系到自身发展的安危,更易衍生为区域性金融风险,尤其在后发地区风险防范能力不足的情况下,会对当地经济造成严重冲击。以我国西部后发地区六省13家城市商业银行作为样本,通过综合指数法测度西部后发地区城市商业银行系统性金融风险,发现西部后发地区城市商业银行系统性金融风险近五年呈现先减后增的变化趋势,各地区系统性金融风险的大小与地区经济的发展程度密切相关。建议后发地区城市商业银行立足当地经济,建立主动全面的风险管理模式,大力发展金融科技,政府加大政策支持,从而改善西部后发地区系统性金融风险目前增长的趋势,维护区域经济的稳定。

The systematic financial risk of city commercial banks is not only related to the safety of their own development,but also can easily evolve into regional financial risk,especially in underdeveloped regions where there are inadequate risk prevention capacity,which will bring serious impact on local economy.In this paper,13 city commercial banks in 6 provinces in China's western underdeveloped regions are selected as samples to measure the systematic financial risks of city commercial banks by using comprehensive index method.It is found that the systematic financial risks of city commercial banks in these regions show a trend of decreasing first and increasing later.Meanwhile,the size of the systematic financial risks is closely related to the development degree of regional economy.It is suggested that city commercial banks in these regions take local economic development as a priority and establish an active and comprehensive risk management mode,vigorously develop financial science and technology,increase policy support,and implement effective regulatory measures,so as to contain the current growth trend of systemic financial risks in these regions and maintain the stability of the regional economy.