国有银行基层党组织参与金融风险管理的内在逻辑与现实思考

Internal Logic and Practical Reflections on the Participation of Grassroots Party Organizations of State-owned Banks in Financial Risk Management

国有银行是我国金融体系的重要组成部分,其基层党组织参与金融风险管理的经验对维护我国金融稳定具有重要借鉴意义。本文通过系统梳理国有银行基层党组织参与金融风险管理的理论逻辑和演进历程发现,基层党组织通过思想引领、政策传导和组织协调等方式,确保银行经营行为与国家金融政策高度一致,维护自身高质量发展与国家金融安全;针对当前国有银行潜在信用风险敞口变化明显、金融科技风险外溢现象显著、基层党组织履行职能作用弱化等现实问题,提出基层党组织进一步完善信用风险评估机制,深度融合党建与业务发展,优化组织管理机制等对策建议。

State-owned banks are an important part of China's financial system,the experience of their grass-roots party organizations in financial risk management is of great significance for maintaining the stability of China's financial system.By systematically sorting out the theoretical logic and evolution of the participation of grass-roots party organizations of state-owned banks in financial risk management of state-owned banks,this paper finds that grass-roots party organizations,through ideological leadership,policy transmission and organizational coordination,ensure that the bank's operating behavior is in high consistency with national financial policy,safeguard its own high-quality development and national finan-cial security.In view of the current practical problems such as obvious changes in the potential credit risk exposure of state-owned banks,significant spillover of financial technology risks,and weakening of risk control and performance of grass-roots party organizations,it puts forward countermeasures and suggestions to improve credit risk assessment mechanism,embed grassroots party organizations in governance of banks,and deeply integrate party building and business development.