防范银行业风险应谋求同业间合作

随着银行体制改革的深化,银行风险也在发生变化:不良资产比重偏高,信贷风险大;信贷投向过于集 中,组合风险加大;表外业务风险难控。如何有效地防范和化解银行风险将是我国商业银行急需解决的问题, 建立银行间合作机制不失为有效途径。本文从理论和现实两方面对银行间合作进行了论述。

Guarding against Risks through Cooperation among Banks

The deepening of banking system reforms in China has led to some changes in bank risks: too high proportion of bad assets, too great credit risk, too narrow flow of credit and off-balance-sheet business risk hard to control. It is an urgent problem for our commercial banks to solve the problem as to how to guard against and get rid of bank risks. It may well be an effective approach to set up a cooperation system among the banks. This article theoretically and practically explores such cooperation among banks.