Influence of the basle agreement on china ' s banking supervisory system 巴塞爾協(xié)議對(duì)中國(guó)銀行監(jiān)管制度的影響
So , before we try to build a set of modern risk management system and raise the risk management level , we should solve many urgent problems , for example building domestic commercial credit models on the new basle agreement frame 國(guó)內(nèi)尚未健全統(tǒng)一的個(gè)人征信系統(tǒng),對(duì)個(gè)人的信用狀況缺乏全面的評(píng)估,嚴(yán)重制約著信用卡透支的信用風(fēng)險(xiǎn)管理。同時(shí),國(guó)內(nèi)銀行在信用卡透支信用風(fēng)險(xiǎn)管理領(lǐng)域還缺乏有效的辦法和經(jīng)驗(yàn)。
The new basle agreement represents the advanced risk management and supervising technology . with the coming and global implimenting of new basle agreement , it has no doubt that it has been affecting domestic banking risk management , especially for the four state - owned commercial banks 新資本協(xié)議代表了當(dāng)今先進(jìn)的風(fēng)險(xiǎn)管理水平、監(jiān)管理念與實(shí)踐,這也對(duì)我國(guó)商業(yè)銀行的風(fēng)險(xiǎn)管理提出了巨大的挑戰(zhàn)。從我國(guó)的現(xiàn)狀來(lái)看,商業(yè)銀行的風(fēng)險(xiǎn)管理尚處于起步階段。
In order to exploit new ways of banking supervision , the international co - operation are researched in the financial supervising field . it includes two aspects : one is the influence made by rules on capital sufficiency ration mentioned in < < basle agreement > > , the other is new requirements brought by risk managing principles in < < the key principles of efficient banking supervision > > 為了開(kāi)拓銀行監(jiān)管的新思路,第四章首先探討金融監(jiān)管的國(guó)際合作問(wèn)題,主要包括兩大方面:一是《巴塞爾協(xié)議》中有關(guān)銀行資本充足率的規(guī)定對(duì)我國(guó)銀行業(yè)產(chǎn)生的影響,一是《有效銀行監(jiān)管核心原則》中確立的全面風(fēng)險(xiǎn)管理原則給我國(guó)銀行業(yè)提出的新要求。
1 . the research background : the credit risk is the main risk of the commercial bank , and also the main risk of the credit card overdraws . on june 26 in 2004 , the basle committee bank supervision publicized the “ new basle agreement ” , which will replace the current agreement published in 1988 , at the end of 2006 信用風(fēng)險(xiǎn)是商業(yè)銀行的主要風(fēng)險(xiǎn),也是信用卡透支業(yè)務(wù)面臨的主要風(fēng)險(xiǎn)。 2004年6月26日,巴塞爾委員會(huì)( baslecommitteebanksupervision , bcbs )正式出臺(tái)了《新資本協(xié)議》 ,在2006年底前取代現(xiàn)行的1988年資本協(xié)議而付諸實(shí)施。