风险管理:资本管理与信用增进行业

Rist Management: Capital Managent and Credit Enhancement

资本管理作为风险管理核心内容之一,一方面有利于保障金融机构稳健经营,全面覆盖各类风险;另一方面也为准确衡量风险收益匹配程度提供了重要参考指标。为了探索信用增进行业资本管理体系发展方向,文章分别对银行、保险、证券、担保等金融行业资本管理体系主要内容与发展状况进行梳理和分析,并在此基础上结合信用增进行业风险类型和风险特征,对信用增进行业风险管理及资本管理体系建设提出具体发展建议。

Capital management is at the heart of risk management. It ensures the soundness of financial institutions by covering a wide range of risks, and provides an important benchmark against which risk and profit can be accurately measured against each other. In order to gain a better understanding of capital management at credit enhancement institutions, we examine banking, insurance, securities and guarantee institutions, looking at their existing management structures and their development paths. Based on the risk characteristics faced by the credit enhancement industry, we make some suggestions for future development.