毕业设计（论文）-浅析我国商业银行金融创新及其风险管理.docVIP

浅析我国商业银行金融创新及其风险管理 摘要 从20世纪70年代中期以来,我国商业银行在改革开放中步入创新时代。金融创新已经成为当代商业银行发展的新趋势之一，然而与之相伴的金融风险也日益突出，特别是金融创新在规避原有金融风险的同时又产生了新的金融风险，成为金融发展与创新的重要制约因素。本文在揭示金融创新与金融风险二者关系的同时，简要归纳了我国商业银行在金融创新中可能带来的新的风险，比如信用风险、设计风险、法律风险和操作风险等，同时指出了我国商业银行金融创新中风险管理存在的问题,并在此基础上有针对性地提出了商业银行在实施金融创新过程中防范和管理可能发生的各种风险的基本策略，以促进商业银行在最小的风险下实施金融创新，在创新中求稳健发展。 [关键词] 商业银行 金融创新 金融风险 风险管理 ABSTRACT 70 from the mid-20th century, Chinas commercial banks in the reform and opening up into a new era. Financial innovation has become a contemporary commercial banks, one of a new trend, but the financial risks associated with increasingly prominent, especially in financial innovation in circumvention of the original and also the financial risks arisingfrom the new financial risks, as a financial development and the importance　 of innovation constraints. This article reveals that the risk of financial innovation and financial relations between the two opposing briefly summed up the commercial banks in financialinnovation that may bring new risks, such as credit risk, design risk, legal risk and operational risk, and in this on the basis put forward by commercial banks in the implementation of the process of financial innovation to prevent and control the various risks that may occur in the basic strategies to promote the commercial banks to minimize risk in the implementation of financial innovation, in terms of innovation in order to steady development. [Key words] commercial banks financia lrisks financial innovation innovation control 目录 一、前言·······························································································(1) 二、商业银行金融创新的动力源泉·································································(2) （一）只有金融创新，才能顺应经济发展的要求··········································(2) （二）只有金融创新，才能满足市场和客户的需求·······································(3) （三）只有金融创新，才能应对外资银行激烈的市场竞争·······························(3) 三、商业银行金融创新与风险管理的关系························································(4) （一）金融创新增强了商业银行管理和规避金