商业银行内部风险管理与外部风险监管的协调

商业银行的内部风险管理与外部监管本质统一于风险的管理与控制。但由于内部驱动力的差异、激励与约束相容的困境以及监管的成本问题,两者又存在矛盾与冲突,因此,要想协调好外部风险监管与内部风险管理的关系,降低监管成本,提高监管绩效,还必须充分发挥银行内部风险管理的前提作用,提高其在风险资产确认中的能动性,监管部门必须为银行的风险管理提供基础性的制度保障,在监管内容、方式与手段方面加强调整,培育起激励与约束相容的监管体系。

Coordinating the Risk Management within the Commercial Bank and the Risk Supervision outside it

This paper believes that the risk management within the commercial bank and the risk supervision outside it are well coordinated in the control and management of risk.But there are controdiction and conflict because of the difference and stimulation of internal driving force and the problem of supervisory cost, so we should give full play to the effect of the risk management within the commercial bank,and raise the activity of confirming the risk capital,and the supervisory department must praide the basic system guarantee for the risk management,and cultivate and urge the supervisory system from the aspects of content and means.