摘要
从我国三次银行危机处置实践来看,为保持银行危机处置的效率、降低处置成本和提升透明度,必须要在银行危机处置中建立一个一贯的风险识别机制。但是,银行危机处置中的风险识别本身存在诸多困难,包括风险识别主体职责分配不明确、风险识别标准层次与处置措施不对应,以及风险识别规范缺乏系统性整合等问题。为此,需要在现有风险评级体系上建立一个全面的风险识别框架,明确并合理分配风险识别与预警、风险处置之主体的监管权力与义务,为监管主体之风险识别和处置设置实体法和程序法上之限制,并落实到独立的问题银行处理法规或条例之中,以建立和完善独立的银行危机处置制度。
Viewing from the managements of three commercial bank crises in China,in order to maintain the efficiency,reduce the cost and improve the transparency of banking crisis management,it is necessary to establish a consistent risk identification mechanism in banking crisis management.However,there are many difficulties in risk identification of banking crisis management,including unclear responsibility assignment of risk identification subjects,non-correspondence between the levels of risk identification standard and management measures,and lack of systematic integration of risk identification norms.Therefore,it is necessary to establish a comprehensive framework of risk identification on existing risk rating systems,clearly and reasonably distributing subjects’regulatory powers and duties of risk identification,risk early warning,and risk management;to set restrictions of substantive law and procedural law on regulation bodies’risk identification and management;and to implement the restrictions into the independent rules or regulations of banking risk management,so as to establish and perfect an independent banking crisis management system.
出处
《南海法学》
2021年第4期94-105,共12页
The South China Sea Law Journal
关键词
银行危机
危机处置
风险识别
制度完善
Commercial bank
Banking crisis management
Risk identification
System perfection
