中小民营银行风险控制与核心竞争力:浙省个案

风险控制能力是商业银行核心竞争力的核心元素,而提高风险控制能力的关键在于完善的风险控制体系。浙江四家中小民营银行以低不良贷款率和快速稳健发展在城市商业银行中独树一帜,这种现象为银行业所不常见,也是一般的风险控制理论所不能回答。通过长期跟踪和深入研究表明,浙江四家中小民营银行的风险控制存在三个共同的基因:一是民营化的股权结构,二是准确的市场定位,三是原创性的风险控制手段。

Risk Control and Core-competitiveness of Small Private Banks:Zhejiang's Experiences

The ability of risk control is core elements in core competences of commercial banks.However,the key to improve the ability of risk control is complete risk control systems.Because of low non-performing loan ratio and steady developments,four small private banks in Zhejiang are of outstanding performances in city commercial banks.This phenomenon,which is not answered by general risk control theory,is not common in banking.It is found by long-term tracking and in-depth research in this paper that there are t...