我国商业银行面临的风险及化解风险的对策

我国商业银行面临的巨大风险是现实的,但是可以避免.在社会主义市场经济条件下,宏观调控尤为重要,商业银行的企业性质又要求微观上的搞活.建立产权明晰的企业管理制度,是管理体制改革的重点.加强中央银行的监管,建立金融保险制度是避免银行风险的首要问题.

Risks Facing China's Commercial Banks and Their Corresponding Solution

The great risks with which China's commercial banks are faced are concrete, but are not unavoidable. In socialism market economy, marco adjustment is especially important. However, the enterprise property of commercial banks requires freedom in micro realm. In this sense, the pivot of management reform lies in setting up a management system of clear property right. The essential problem to avoid the risks is to reinforce Central Bank's administration and set up financial insurance system.