CAJ | 학술논문

新巴塞尔协议作为国际金融监管和金融风险管理的新标准,其意义不仅仅体现在指导银行的资本充足率水平和信用风险管理等方面,对中国金融风险管理的发展也有借鉴意义.对于中国金融风险管理而言,信息不对称和监管机制不完善是目前的主要问题.随着国际金融风险的加剧与潜在危机的扩散,长期处于封闭式管理的中国金融机构必须与国际接轨,参照先进国际金融系统的规则与标准,在借鉴新巴塞尔协议的风险防范机制和金融监管机制基础之上,制定中国特色的金融风险管理标准和监管体系.
신파새이협의작위국제금융감관화금융풍험관리적신표준,기의의불부부체현재지도은행적자본충족솔수평화신용풍험관리등방면,대중국금융풍험관리적발전야유차감의의.대우중국금융풍험관리이언,신식불대칭화감관궤제불완선시목전적주요문제.수착국제금융풍험적가극여잠재위궤적확산,장기처우봉폐식관리적중국금융궤구필수여국제접궤,삼조선진국제금융계통적규칙여표준,재차감신파새이협의적풍험방범궤제화금융감관궤제기출지상,제정중국특색적금융풍험관리표준화감관체계.
The meaning of the New Basel Capital Accord is not limited to bank capital capacity guidance and credit risk management as a new standard of international financial supervision and financial risk management; it also has a considerable value for the development of financial risk management in China. The main problems of China＇s financial risk management are unbalanced information and imperfect supervisory system, with the exacerbation of international financial risk and expansion of potential crisis, Chinese financial institutes which are close managed for a long time should follow the track of international development concerning advanced international financial system rules and standards; based on studying New Basel Capital Accord＇s risk avoidance and financial supervision mechanisms to establish Chinese-characterized financial risk management criterion and suoervisorv svstem.