| 城市商业银行单一城市经营风险及法律对策 |
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| 引用本文： | 宋怡林. 城市商业银行单一城市经营风险及法律对策[J]. 特区经济, 2011, 0(11): 101-103 |
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| 作者姓名： | 宋怡林 |
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| 作者单位： | 辽宁科技大学经济与法律学院;辽宁大学法学院; |
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| 基金项目： | 2009年度辽宁省社会科学规划基金项目《城市商业银行发展模式选择与风险控制法律对策研究》的阶段性成果之一,项目批准号:L09DFX031 |
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| 摘 要： | 当前城市商业银行扩张性发展非常活跃,但扩张并不是其唯一发展模式,专注于本地开展单一地域的经营活动,能够使城市商业银行走上"小而精"的发展道路,从而取得竞争的优势地位。城市商业银行自身资本实力不强,单一城市发展模式下,容易造成信用风险和流动性风险。对此应当通过立法引导城市商业银行建立健全内控机制,对贷款集中、贷款关联交易等给以规范,还应加强资本不足的法律责任体系建设,以严格的资本充足法律制度来控制城市商业银行的流动性风险。
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| 关 键 词： | 城市商业银行 单一地域经营 风险 法律对策 |
Urban commercial bank sole city mangement risk and legal countermeasure |
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| Song Yi Lin. Urban commercial bank sole city mangement risk and legal countermeasure[J]. Special Zone Economy, 2011, 0(11): 101-103 |
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| Authors: | Song Yi Lin |
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| Affiliation: | Song Yi Lin |
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| Abstract: | The expansion development tendency of ci-tibank in China was very obvious in recent years,but expansion isn't the only one development mode.Citibank can acquire a small and delicate development mode by managing in one city,and obtain the competing dominant position.Citibanks have not powerful capital strength,and could cause credit risk and liquidity risk.We should guide citibank build and perfect its internal control system by law,and regulate the loan concentration and related party transactions of loan,a... |
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| Keywords: | Citibank Managing in one city Risk Legal Measures |
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