新巴塞尔协议与中国银行业的全面风险管理

目前,巴塞尔新资本协议已进入第三次征求意见稿阶段,拟在2006年正式实施。随着新资本协议的即将正式出台,无疑对我国银行业,特别是国有商业银行的风险管理带来极其重要的影响和变化。然而,要全面实施新资本协议,对我国银行业来说还面临着诸多障碍,但是,为了适应国际竞争的要求,我国银行业必须按照新的要求,尽快实施全面风险管理。要做到这一点,银行的配套改革必须同步进行,以消除实施新协议的各种障碍。

The New Basel Accord and Enterprise Wide Risk Management of Chinese Banking Industry

Currently the New Basel Capital Accord is open for comments for the third time and will be implemented in the year 2006. Undoubtedly this will bring in-depth impact and changes to native banking industry, especially in the respect of risk management of our state-owned commercial banks. Although the full-scale implementation is confronted with plenty of difficulties, in order to adapt international competitions, our native banking industry must implement comprehensive risk management as soon as possible according to the new requirement. At the same time, the banking compound reform must be in practice so as to win through all the difficulties during practice of new accord.