CAJ | 학술논문

影响民营银行经营风险的主要因素有居民信任风险、关联交易风险和存款不足风险等。防范民营银行经营风险可从以下六个方面着手：一是进行财务分配制度创新，提高居民信任度；二是建立关联交易的监管技术，防范关联交易风险；三是尽快建立存款保险制度，吸纳存款；四是限制股东信用贷款数量，避免内部人控制风险；五是服务县域经济，提高在行业中的竞争力；六是构建良好的信用环境，防范违约风险。
영향민영은행경영풍험적주요인소유거민신임풍험、관련교역풍험화존관불족풍험등。방범민영은행경영풍험가종이하륙개방면착수：일시진행재무분배제도창신，제고거민신임도；이시건립관련교역적감관기술，방범관련교역풍험；삼시진쾌건립존관보험제도，흡납존관；사시한제고동신용대관수량，피면내부인공제풍험；오시복무현역경제，제고재행업중적경쟁력；륙시구건량호적신용배경，방범위약풍험。
The main sources of the business risk of private bank are risk of residents’ trust, risk of related party transac-tions and risk of insufficient funds.There are six suggestions to prevent the business risk of private bank. Firstly, private bank can innovate the financial allocation system to improve residents’ trust; Secondly, private bank could establish a regulatory technology of related party transactions to prevent the risk of related party transactions; Thirdly, we should build a deposit in-surance system as soon as possible to attract deposits; Fourthly, private bank can limit the number of shareholders ’ credit loans to avoid the risk of internal control; Fifthly, private bank may service remote areas to improve competitiveness in the industry; Finally, we need to build a good credit environment to prevent the risk of breaking a contract.