论对提升我国商业银行风险管理能力的思考（Thoughts on enhancing the ability of risk management of commercial banks in China）.docVIP

论对提升我国商业银行风险管理能力的思考（Thoughts on enhancing the ability of risk management of commercial banks in China） Thoughts on enhancing the ability of risk management of commercial banks in China Commercial bank; risk management; thinking Abstract] since the commercial bank produces, the risk accompanies with it, is inseparable. With the banking business With the continuous development of the market and the intensification of market competition, the risks of the banking industry also appear complex and changeable characteristics. In addition to the order Before, we are in the period of economic transition, the internal and external economic environment is more complex, the development of the banking industry is still very difficult Mature, the form of risk is more specific, which puts forward higher requirements for risk management. This article tries to pass Through the analysis of the general principles of risk management of commercial banks, we should follow the requirements of Scientific Outlook on Development in depth, To explore the development direction of risk management of commercial banks, so as to enhance the ability of risk management of commercial banks. First, the development trend of risk management of commercial banks The risk management of commercial banks is a product of the development of banking and the recognition of financial risks. Initially, the risk management of commercial banks mainly focused on the risk management of asset business, emphasizing the maintenance of bank capital Liquidity is mainly related to the assets of the commercial banks at that time, such as loans. After 1960s, the focus of risk management in commercial banks shifted to debt risk management, emphasizing By using borrowed money to maintain or increase asset size and earnings, it creates a bar for banks to expand their business But it also increases the uncertainty of banking operations. At the end of the 1970s, interest rates were very high in the international market Volatility,