商业银行风险的倾斜系统现象分析

社会经济系统具有往某个方向扩散的特征,其运行机制体现为个体互动或由此产生的群体行为可能导致系统倾斜的状态。商业银行的存款挤兑现象就是由于储户在信息不对称状态下的风险预期抉策或"羊群效应"行为而导致的系统倾斜。在商业银行风险管理中引入倾斜系统分析理论具有现实的指导作用,无论是微观还是宏观层面上,倾斜系统的运行机制都能解释诸如银行挤兑这类风险引致的均衡系统失衡的机理。商业银行应致力于维护平衡系统,谨慎控制风险的临界值,动态预警与随时披露正面信息至关重要。

The Tilting System Analysis of the Commercial Bank Risk

The social economic system has the kind of character,which can extend to some direction.Its operating system embodies the slanting status that may be caused by the individual interaction or the group behavior.The reason for the phenomenon that the deposit in the commercial bank running on a bank is that the depositors make risk expectation decision in the unsymmetrical status or that the "Herding behavior" led to the system becomes slanting.The operation of the incline system can explain the mechanism of the unbalance of the ecology caused by risks such as running on a bank when bringing in the incline system analysis theory into the risk management of commercial bank.It is very important for commercial banks to work for the maintenance of the balance system,pay more attention to controlling the critical value of the risk,the dynamic early warning,and announce the positive information at all times.