存款频频丢失的原因探析及应对策略

近年来我国商业银行存款丢失事件频频发生并呈现愈演愈烈之势,严重损害储户利益。本文对这一现象进行深入剖析,发现利率市场化下银行之间日益激烈的竞争、银行内控机制的不完善以及对违规行为处罚规定的法律缺失是导致存款频频丢失的主要原因,进而提出优化银行业务结构以形成差异化竞争、建立完善的银行风险管理和内控机制、完善相关立法以及提高储户安全防范意识等应对策略。

Reasons and Countermeasures for the Frequent Loss of Deposits

In recent years, the loss of deposits in China's commercial banks occurred frequently and showed a growing trend, seriously damaging the interests of depositors. It is found that this phenomenon mainly owes to the increasingly fierce competition between banks, the imperfect internal control mechanism and the lack of legal provisions on the punishment of illegal acts. And then it puts forward to optimize the structure of the banking business to form a differentiated competition, establish a sound risk management and internal control mechanism, improve the relevant legislation and improve the safety consciousness of depositors and other coping strategies.