中国银行业应急管理:问题与对策

现代银行机构面临的突发灾难性事件主要来自非经济因素,包括自然灾难性事件与社会危险事件。灾难性事件的严重后果将使人们购买银行产品和服务的信心受挫。中国银行业对应急管理存在着强烈的现实需求。目前,银行业应急管理存在的问题主要有:缺少处理金融突发事件的专门法律、法规;应急预案不够全面;灾备建设相对滞后等。综合看来,银行业应急管理的问题主要集中在应急预防阶段。应尽快推出《金融应急法》和《突发金融事件应急处理条例》,以提高立法层次;完善应急预案,加强应急演练,以增强实战能力;完善灾难备份系统,加强业务连续性。

The Emergency Response Management in Chinese Banking: Problems and Countermeasures

Emergent catastrophic events facing by the modern banking mainly originate from non-economic factors, including na- ture disasters and social hazards. The severe consequences of those disasters knock customers' confidence when they choose bank's products and service. Emergency response management is strongly required by Chinese banking. Currently, main problems in the e- mergency management include lacking specific laws and regulations focusing on financial emergency settlement, no overall emergen- cy respo...