| 中国银行业的十大风险苗头与监管策略 |
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| 引用本文： | 杨家才.中国银行业的十大风险苗头与监管策略[J].湖北经济学院学报,2005,3(4):31-36. |
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| 作者姓名： | 杨家才 |
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| 作者单位： | 中国银监会湖北监管局,湖北,武汉,430071 |
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| 摘 要： | 我国银行业当前主要面临外汇储备超常增长、央行票据供给放量、地方政府信用透支、农信社增资扩股不实、不良资产处置悬空等十大风险隐患。面对新的银行业风险苗头，基层银行监管部门必须把握风险变化的趋势和规律，适时更新监管理念，调整监管重点，转变监管方式，不断创新风险的计量消化、防范控制和检查处罚机制，才能管到点子上，管到关键点上，增强商业银行的自控能力，有效防范金融风险。
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| 关 键 词： | 金融风险 银行监管 风险性监管 资本监管 |
| 文章编号： | 1672-626X(2005)04-0031-06 |
| 修稿时间： | 2005年5月12日 |
Ten Risk Symptoms in China's Banking and Financial Supervision |
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| YANG Jia-cai.Ten Risk Symptoms in China's Banking and Financial Supervision[J].Journal of Hubei University of Economics,2005,3(4):31-36. |
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| Authors: | YANG Jia-cai |
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| Abstract: | China's banking is faced with ten risks such as excessive increase of foreign currency reserve, oversupply of bill, overdraft credit, dishonest capital increase and expansion of stock, bad asset operation, etc. Facing the financial risk symptoms, the financial supervision agency should grasp the developing trend and rules of risk changes, replace supervision concepts, change supervision modes, innovate measurement of risk, control and inspect mechanism so as to manage well and increase their self-controlling abilities and avoid financial risk effectively. |
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| Keywords: | financial risk banking supervision risky supervision capital supervision |
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