摘要
20世纪90年代以来,随着经济全球化的到来,国际银行业的发展也随之加速。然而,世界经济的不景气同样导致了金融危机的频繁爆发,特别是世界三大金融危机:欧洲债务危机、拉美金融危机以及亚洲金融风暴的出现,对全球的经济产生了极大的影响。在银行的经营过程中,其碰到的巨大风险以及风险带来的危害也同时成为全球关注的经济问题。根据国际货币基金组织的统计,自1980年以来,有130多个国家和地区的银行在不同的时期出现了严重的问题。这些风险产生的根源都是由于银行缺乏完善的风险管理体系以及科学的风险管理造成的。在应对信用风险、市场风险、操作风险等各种风险的情况下,中小商业银行存在经营管理体系建立时间短、运行机制不稳定、风险管理能力薄弱等缺点。因此,有必要关注中小商业银行所面临的主要风险,面临的风险所具有的特殊性,风险管理存在的问题及其原因,以及在采取全面风险管理时应当确定的原则和方向。随着中小商业银行面临着不可控因素的激增与越来越大的风险,提高中小商业银行风险管理已成为中国金融发展中的重大研究课题。因此,本文试图结合全面风险管理理论和方法,结合QL银行案例进行分析和阐述,通过借鉴国外现有商业银行模式及先进经验,构建我国商业银行全面风险管理体系。
Since the 1990 of 20th century, international banks have achieved rapid development because of economic globalization. But as well the economic downturn makes finanieal crises broke out frequency. Especially the emergence of the world＇ s three largest financial crisis：Europe＇ s debt crisis, the financial crisis in Latin America and Asian financial crisis.It had a great impaction on the global economy.In the course of banking business, the risk and harm caused by risk that it forced referred to issues of global concern.According to the International Monetary Fund statistics,banks there had serious problems in different times in more than 130 countries and regions from 1980.The origins of these risks due to the banks＇ lack of a risk management system as well as the reasonable of risk management. In the face of situations of these risks such as credit risk, market risk, operational risk,small and medium-sized com- mercial banks exist disadvantages. It includes short-time operation and management mechanism system, weaken capacity for risk management. So we need to research the main risks that these banks have, the special of these risks and the prob- lems and reason of it. Along with the improvement of uncontrollable factors and risks expandation in small and medium- sized commercial banks,improving the risk management of small and medium-sized commercial banks has become a major research project on China＇ s financial development. In this context, this article uses the comprehensive risk management theory and methods to Construct the commercial bank＇ s comprehensive risk management system in China to elaborate and analysis the QL bank by drawing lessons from existing models of commercial banks in foreign countries and best practices. At last the article proposes comprehensive risk management strategies.for China＇ s small and medium commercial banks
出处
《科学与管理》
2012年第3期46-51,共6页
Science and Management
关键词
全面风险管理
管理框架
构建
Comprehensive risk management
Management framework
Construction
