摘要
2023年美国商业银行倒闭广受各界关注,美国商业银行倒闭引发商业银行内部风险控制与监管反思。追溯并回顾2023年美国商业银行倒闭可发现,此次商业银行倒闭集中于中小银行,集中于进行科创企业、加密货币经营企业、高净值客户等特色化经营的商业银行。其倒闭有其内部风险控制的失误,也有宏观调控与监管当局监管不当的原因。在分析其处置措施得失的同时,借鉴其经验,更好地完善我国商业银行的风险控制、监管体系与科技金融业务创新机制。
In 2023,the collapse of American commercial banks attracted wide attention from all walks of life.The collapse of American commercial banks triggered the internal risk control and regulatory reflection of commercial banks.Tracing and reviewing the collapse of US commercial banks in 2023,it can be found that the collapse of commercial banks is concentrated in small and medium-sized banks,focusing on commercial banks specializing in science and technology innovation enterprises,cryptocurrency enterprises and high net worth customers.Its failure is due to its internal risk control mistakes,but also due to the improper supervision of macro-control and regulatory authorities.While analyzing the gains and losses of its disposal measures,we should learn from its experience to better improve the risk control,supervision system and innovation of technology finance business mechanism of China’s commercial banks.
作者
戴鸿丽
Dai Hongli(Jiangsu College of Finance&Accounting,Lianyungang 222061,China)
出处
《金融理论探索》
2024年第3期73-80,共8页
Exploration of Financial Theory
基金
国家社科基金重点项目“新发展格局下政策性金融支持高水平科技自立自强体制机制研究”(22AJY17)。
关键词
商业银行
倒闭
风险控制
监管
科技金融
commercial bank
collapse
risk control
supervision
technology finance
