银行风险吸收:一个理论分析框架

Bank Risk Absorption:A Theoretical Analysis Framework

严控银行体系风险与货币政策转型是我国现阶段两大重要议题,银行风险吸收作为经济风险的吸纳、减震、出清“装置”,是联结两者间权衡关系的重要枢纽。本文从银行风险吸收的基础逻辑、影响因素、表现形式与风险出清机制等方面展开分析,构建了银行风险吸收的理论分析框架,并探讨了银行风险吸收面临的问题与阻碍。银行风险吸收来源于银行经营风险的原始属性,具有“微观排斥、宏观吸收,主观排斥、客观吸收”的底层逻辑,这一理论对于货币政策操作、金融监管、银行风险考核、银行救助等问题具有一定的指导意义与实践价值。

Strictly controlling the risk of the banking system and the transformation of monetary policy are two important issues in China at this stage.As a "device" for absorbing,damping and clearing economic risks,bank risk absorption is an important hub connecting the trade-off relationship between the two.This paper analyzes the basic logic,influencing factors,forms of manifestation and risk clearing mechanism of bank risk absorption,constructs the theoretical analysis framework of bank risk absorption.It also discusses the problems and obstacles faced by bank risk absorption.Bank risk absorption originates from the original attribute of bank operation risk and has the underlying logic of "micro exclusion,macro absorption,subjective exclusion and objective absorption".This theory has important guiding value and practical significance for monetary policy operation,financial supervision,bank risk assessment,bank rescue and other issues.