摘要
近年来,我国经济正在向纵深发展,但也面临着国内外风险挑战明显上升的复杂局面。本文运用资产负债表分析方法,通过编制银行业的资产负债表,从期限错配、清偿力、资本结构错配和货币错配风险四个方面分析银行业的整体运行状况,在此基础上提出政策建议。
In recent years,my country's economy has been developing in depth,but it is also facing a complex situation where risks and challenges at home and abroad have risen significantly.As the economic growth rate declines,many problems and risks concealed by the early economic growth will gradually emerge.Therefore,effective prevention and resolution of financial risks is always one of our priorities.This paper uses the method of balance sheet analysis to analyze the overall operation of the banking industry from four aspects:maturity mismatch,solvency,capital structure mismatch and currency mismatch risk.And on this basis,it predicts and analyzes the potential risks and risk transmission of my country's overall financial risks,and puts forward five policy recommendations.
作者
倪平平
NI Pingping(The People’s Bank of China Nanjing Branch,Nanjing Jiangsu 210004)
出处
《西部金融》
2020年第7期38-42,共5页
West China Finance
关键词
金融风险
资产负债表
风险管理
Financial Risk
Balance Sheet Analysis
Risk Prevention
