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连平:风险管理能力成就中国银行业稳健经营格局

2017-09-22 17:02:01   中国经济网

风险管理的能力是衡量商业银行经营管理的重要标准,也是提高运行效率、有效服务实体经济的基础。近年来,面对错综复杂的国内外经济金融环境,中国商业银行坚持稳中求进的总基调,在注重业务发展的同时,持续优化风险管理体系,建立了一整套管理工具与国际接轨,管理领域覆盖各类风险、各级机构、各项业务,管理流程实现前中后台协同运作的全面风险管理体系。

在经济转型过程中,不断完善的风险管理体系不但帮助商业银行成功应对了国际金融危机的冲击,有效抵御了周期性波动的负面影响,也推动商业银行初步完成了由管理风险向经营风险的转变,实现了资产质量的平稳运行。

2016年下半年以来,商业银行不良贷款率已连续三个季度保持稳定,关注类贷款和逾期贷款占比也出现了持续下降的势头,资产质量下行态势得到有效遏制。与此同时,商业银行风险抵补能力也进一步提高,贷款损失准备金余额增速持续高于不良贷款增速,2017年6月末行业拨备覆盖率达177.2%,为处置和化解风险提供了充实的财务资源保障。在加强信用风险管理的基础上,商业银行结合人民银行和银监会的要求,加大力度推进金融去杠杆措施,对债券违约、影子银行和互联网金融等重点风险领域开展了一系列针对性工作,有效控制了同业和表外以及交叉性金融业务的增长,在防范系统性风险方面取得了显著的成效。

近日,标普以强劲信贷增长增加了中国经济金融风险为由,下调了中国主权信用评级。但从商业银行的经营和风险状况看,似难以得出这一结论。不可否认,中国的信贷增长确实较快。然而作为信贷增长主要载体的商业银行正在通过持续的改革和创新,不断实现自身风控能力的提升,从而完全能够有效管理信贷增长带来的潜在风险,并持续为实体经济注入新的增长活力。中国的信贷增长是风险可控的增长。(作者:交通银行首席经济学家 连平)

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