摘要
美国社区银行的风险控制体系由内到外分为信息系统、内部控制和外部监管三个层级。各层级相互牵制,有序运转,总体呈现出股权结构集中、核心资本充足率较高、核心存款和关系型信贷业务突出、各监管机构协调统一以及审慎监管框架下的监管循环机制等特点。这些特点赋予社区银行较强的抵御风险能力,对我国社区银行的发展具有借鉴意义。
The risk-management system of community hanks of the United States can be pictured as a series of concen-tric circles, which consist of management information system, internal controls and effective supervision. These circles are in-terconnected by the characters of concentrated equity, higher core capital ratio, core deposits, relationship loans, coordination of supervision agencies and multiple regulatory methods. These features effectively keep community banks safe and sound, which can be learned for the development of community banks in China.
出处
《国际金融研究》
CSSCI
北大核心
2012年第10期76-84,共9页
Studies of International Finance
关键词
社区银行
风险控制
金融监管
Community Bank
Risk Management
Financial Supervision
