| 论新巴塞尔协议对我国商业银行信贷管理的启示 |
| |
| 引用本文： | 徐超.论新巴塞尔协议对我国商业银行信贷管理的启示[J].哈尔滨学院学报,2007,28(12):67-71. |
| |
| 作者姓名： | 徐超 |
| |
| 作者单位： | 贵州大学国际法研究中心,贵州贵阳,550025 |
| |
| 摘 要： | 新巴塞尔协议对于商业银行资本充足率的管理,依然保持了原有的指标体系,但从理念上发生了根本的转变。对于信用风险,新协议更加关注商业银行的信贷过程管理,实现日常细节化管理;在技术上更加专业化,不再是仅仅关注单个的指标体系,而是推行内部评级法,实现风险函数的连续化、过程化管理。我国的商业银行信贷管理正在经历从传统的纵向信用风险管理向横向的信用风险管理体系转变,可以充分借鉴新协议的核心和精华,为商业银行推行全面风险管理体系做好充分的准备。
|
| 关 键 词： | 新巴塞尔协议 商业银行 信用风险 |
| 文章编号： | 1004-5856(2007)12-0067-05 |
| 修稿时间： | 2007年1月16日 |
The Effects of New Basel Accord on the Management of Commercial Banks |
| |
| XU Chao.The Effects of New Basel Accord on the Management of Commercial Banks[J].Journal of Harbin University,2007,28(12):67-71. |
| |
| Authors: | XU Chao |
| |
| Abstract: | New Basel Accord maintains the old indexes system on the part of management of the commercial banks' credit risks,though certain philosophies have been changed.As for credit risks,New Basel Accord pays more attention to the commercial banks' lending management to realize a daily detailed management.In terms of technique,more professional measures are taken which focus not only on indexes system but also the application of IRB with the process management of the risk formula.Chinese commercial banks credit management is undergoing the changes from traditional vertical credit risk management to the syntagmatic one.Commercial banks can make the best use of the New Basel Accord's core to prepare for the application of its total risk management. |
| |
| Keywords: | New Basel Accord Commercial Bank credit risk |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
| 点击此处可从《哈尔滨学院学报》浏览原始摘要信息 |
|
