商业研究
商業研究
상업연구
Commercial Research
2012年
4期
1~6
,共null页
利率政策 利率市场化 商业银行 风险管理
利率政策 利率市場化 商業銀行 風險管理
리솔정책 리솔시장화 상업은행 풍험관리
interest rate policy; interest rate marketization; commercial banks; risk management
二战结束后,日本利率政策基本经历了三个阶段的历史变革,每个阶段都对国内商业银行的发展产生了重要影响。日本商业银行在前两个阶段中经历了风险酝酿和危机爆发后,于第二个阶段末开始加强风险管理,使银行系统的稳定性得以提升。我国当前的利率市场化改革给商业银行发展带来了相对复杂的外部环境,日本商业银行风险管理的经验和教训对于我国商业银行加强风险管理建设具有借鉴意义。
二戰結束後,日本利率政策基本經歷瞭三箇階段的歷史變革,每箇階段都對國內商業銀行的髮展產生瞭重要影響。日本商業銀行在前兩箇階段中經歷瞭風險醞釀和危機爆髮後,于第二箇階段末開始加彊風險管理,使銀行繫統的穩定性得以提升。我國噹前的利率市場化改革給商業銀行髮展帶來瞭相對複雜的外部環境,日本商業銀行風險管理的經驗和教訓對于我國商業銀行加彊風險管理建設具有藉鑒意義。
이전결속후,일본리솔정책기본경력료삼개계단적역사변혁,매개계단도대국내상업은행적발전산생료중요영향。일본상업은행재전량개계단중경력료풍험온양화위궤폭발후,우제이개계단말개시가강풍험관리,사은행계통적은정성득이제승。아국당전적리솔시장화개혁급상업은행발전대래료상대복잡적외부배경,일본상업은행풍험관리적경험화교훈대우아국상업은행가강풍험관리건설구유차감의의。
After World War Ⅱ,Japan′s interest rate policy has experienced three stages of historical changes basically,and each stage had a major effect on the development of domestic commercial banks.Japan′s commercial banks experienced risk brewing and outbreak in the beginning two stages,and began to manage risk in the late of the second stage,which enhanced the stability of banking system.China′s current reform of interest rate marketization has changed the external environment of commercial banks.Experience and lessons of Japan′s commercial banks risk management can give some enlightenment to construction of risk management of China′s commercial banks.
