银行风险监管信息系统的探讨

近年来，商业银行大案要案频频发生，而且越来越严重，这其中，不仅有银行制度不健全、缺乏监管和内部腐败等原因，而且还有技术方面的原因，如信息系统不完善，信息技术利用不充分，数据库建设落后和信息交流共享不畅等。为此，应构建商业银行风险监管信息系统，开发工作由商业银行自主完成，系统开发及维护人员应与业务人员严格分离，系统应具备良好的外部接口，并不断加强对系统的维护。

An Inquiry into Banking Risk Regulation Information System

Big and vital cases of commercial banks have frequently happened in recent years, and this tendency becomes increasingly serious, the reasons for which are not only incomplete banking system, absence of supervision, and internal corruption, but also such technologic reasons as incomplete information system, not fully exploited information technology, backward database construction and not smooth information communication and sharing, etc. Therefore, a commercial banking risk regulation information system should be constructed. The development work should be accomplished by commercial banks themselves, making system development and maitainanee personnel and business personnel strictly seprated, and this system should have good external interface and be strenthened maintaining.