《巴塞尔协议》与我国银行有效的风险监管

Basle Accord and the Effective Risk Supervision over China’s Banks

对照《巴塞尔协议》的要求,分析产生银行风险问题的原因,建议通过深化银行产权制度改革、进行全面风险管理等各种有效措施,扩大资本总量,提高资本充足率,降低资本风险度,对我国银行进行有效的风险监管。

This paper analyzes the causes of bank risks in light of the requirements of Basle Ac -cord.Focusing on the importance of effective risk supervision over our banks,it also puts forward some suggestions.According to the author,we should expand the total capital volume,raise the capital adequacy and reduce the capital risk by taking effective measures such as deepening the reform of the banks ’ property right system and undertaking the risk management in an all-round way.