针对我国商业银行风险的监管框架设计

Framework Design for Banking Supervision against Commercial Banks' Risks

监管当局的金融监管和银行监管框架问题一直是理论界关注的焦点 ,也是完善监管当局监管体制的重要内容。本文根据有效银行监管核心原则给出各类风险的定义 ,指出了各类风险近年在我国商业银行的表现。针对风险监管 ,本文设计了包含资本充足率、公司治理结构、内部控制和信息披露在内的监管框架 ,并提出了持续监管的措施。

The Supervision of the authority and the banking supervision framework has been a highlight issue of theoretical sections and the important content to perfect the supervision system of the authority. The paper gives the definitions of the different risks based on the Core Principles for Effective Banking Supervision and the phenomena of the risks that the commercial banks in China faced in recent years. In relation to the risk management, the paper designs a supervision framework comprising capital adequacy, corporation governance, internal control and information disclosure, and brings forward the continual measures against the risks.