城市商业银行非现场监管风险指标体系设计与实证分析

The Design and Demonstration of the city Commercial Bank of Non-scene supervision Risk Index

城市商业银行是我国新设立的一级法人银行机构,对其监管是比照其他股份制商业银行进行的。作为监管者的地市级人民银行,对其风险的衡量也是采用其他股份制银行的非现场指标体系,这里,作者分析了当前指标体系的不合理性,并以DQ市商业银行为实例,实证分析了近十年的风险,指出了监管者措施的有效。

?The city commercial bank is an first level coporation, It′s regulation refer to the other comporate commercial bank. As an local city people′s bank, the risk scale of the city commercial bank adopt the non-scene index system of other coporate bank. The article analyzed the illogicality of the current index system, and bring forward the validity of the superviser.