中国商业银行全球化发展的新风险

New Risks for the Globalization of China’s Commercial Banks

在新发展格局下,中国商业银行全球化发展面临诸多新风险,主要包括国际金融监管风险、法律合规风险、经济层面风险、文化差异风险以及环境与社会责任风险五个方面。其中,国际金融监管风险既包括国际金融组织的金融监管规则可能引发的监管风险,也包括欧美国家金融监管中域外管辖权可能引发的风险;法律合规风险包括洗钱、恐怖融资、逃税、国际制裁风险、衍生品与自营交易风险以及违反金融消费者权益保护规定的风险;经济层面风险包括全球经济的走势变化、大宗商品价格引致的通胀和与美联储利率上行相关的宏观经济和金融风险;文化差异风险主要涉及全球化发展中因文化差异而引发的风险;环境与社会责任风险主要围绕赤道原则和中国的绿色信贷政策展开。

Under the new development pattern,China’s commercial banks are facing new risks in globalization challenge,mainly including five aspects:international financial supervision risks,legal and compliance risks,economic risks,cultural diversity risks and environment and social responsibility risks.Among them,the risks coming from international financial supervision include not only the risks caused by the financial supervision rules of international financial organizations,but also the risks caused by the extraterritorial jurisdiction of the financial supervision from the United States and European countries.Legal and compliance risks include money laundering,terrorist financing,tax evasion,international sanction risk,derivatives and proprietary trading risk and the risk of violating the protection of financial consumer rights and interests.Economic risks include macroeconomic and financial risks related to changes in global economic trends,inflation due to commodity prices,and upward moves in Federal Reserve interest rates.Cultural diversity risks mainly refer to the risks caused by cultural differences in the development of globalization.Environment and social responsibility risks mainly focus on the Equator Principles and the green credit policy in China.