对公司治理视角下银行风险管理机制的探讨

发布时间：2018-01-12 05:27

本文关键词：对公司治理视角下银行风险管理机制的探讨　出处：《学术交流》2010年09期 　论文类型：期刊论文

【摘要】：加强银行内部操作风险管理,是确保金融体系安全稳健运行的根本。美国金融机构治理标准放松,治理制度性缺陷是导致次贷危机爆发的重要原因之一。我国商业银行治理结构中仍存在着人事制度行政化明显,银行总、分支机构"内部人"控制,激励约束机制不足等问题。鉴于此,需要进一步完善银行风险管理的组织架构,建立由董事会、高级管理层、风险管理部及稽核审计部等组成的银行风险管理体系;强化落实风险管理机制的各项政策,严格执行业务管理办法及操作流程;以银行长远发展战略和股东价值为导向,建立长效化、市场化、企业化的内部激励机制,加强对高层银行管理人员的约束与监督等。
[Abstract]:Strengthening the internal operational risk management of banks is the fundamental to ensure the safe and sound operation of the financial system. The governance standards of financial institutions in the United States are relaxed. The institutional defect of governance is one of the important reasons leading to the outbreak of the subprime mortgage crisis. In the governance structure of commercial banks in China, there is still an obvious administrative personnel system, the total bank, the branch of the "insider" control. In view of this, it is necessary to further improve the organizational structure of bank risk management and establish a board of directors, senior management. The bank risk management system composed of risk management department and audit department; Strengthen the implementation of the risk management mechanism of the policies, strict implementation of business management practices and operational processes; Taking the long-term development strategy and shareholder value of the bank as the guidance, we should establish a long-term, market-oriented, enterprise-oriented internal incentive mechanism, and strengthen the restraint and supervision of the senior bank managers, etc.
【作者单位】：哈尔滨师范大学管理学院;
【基金】：国家社科基金项目《金融衍生工具的风险测评研究》(09BJY108)的阶段性研究成果
【分类号】：F832.2
【正文快照】： 一、银行操作风险、次贷危机与公司治理什么是银行操作风险?针对操作风险的特征一些机构提出了操作风险的定义,如瑞士信贷将操作风险定义为:“不当或不充分的业务行为对运营产生的可能的不利影响。”巴塞尔银行监管委员会1998年发布的文件对操作风险的定义具有更大的理论意义

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