摘要
战后,日本金融体系效仿欧美国家建立起一系列信用风险管理制度。同时,根据市场主导型金融市场的特点,逐步建立起具有自身特点的信用风险管理制度。日本银企信用风险管理制度包括商业银行的内部控制制度、银行风险防御及挽救制度、商业银行外部监管制度。通过对日本银企信用风险管理制度的功效进行剖析,可以看出这一制度存在局限性并与日本的泡沫经济、金融危机、金融效率存在内在关系。
Institutions of risk management of banking credit were established in post - war Japan by imitating the western countries. At the same time, Characteristic institutions had been also developed to adapt to Japan＇s market dominating financial system. The Japanese type of banking credit risk management includes the interhal control system of commercial banks, the systems of banking risk avoidance and bailing out, and the external monitoring or supervising system. An analysis of the performance of Japan＇s banking credit risk management reveals the limits of the institutions. These limits are inherently connected with the Japanese bubble economy, the financial crisis, and the low efficiency of the fmancial system.
出处
《现代日本经济》
CSSCI
2008年第5期1-6,共6页
Contemporary Economy OF Japan
关键词
银企关系
信用
风险管理
日本银行
金融市场
金融监管
Bank - Business Relation
Banking Credit
Risk Management
Main Bank＇s Financial Market： Financial Supervision
