风险监管应成为商业银行监管的核心——论商业银行风险监管的必要性

在我国的金融体系中,银行尤其是商业银行占有举足轻重的地位。商业银行能否安全、高效、稳健地运行,关系到我国整个金融体系的稳定,进而关系到整个国民经济健康快速地发展。我国监管当局对银行的准入、退出、业务范围的监管给予了高度的重视,但随着市场金融的发展,风险监管应成为银行监管的核心。

Banks, especially commercial banks play an important part in our financial system. Whether the whole financial system can be stable and whether the national economy can develop rapidly depend on the security, efficiency and stability of commercial banks. The supervision authorities in our country highly value the supervision on the admittance, withdrawal and scope of business of banks. But with the development of financial market, risk supervision will be the core of bank supervision.