商业银行的发展现状以及面临的风险问题.doc

摘 要 金融体系是经济的核心，而商业银行是金融体系的主体。商业银行的风险管理决定了商业银行未来的发展前景。然而如何能够在当前复杂的经济环境中把握住所面临的风险问题，有效的进行风险管理是长久以来各界共同关注的问题。本文主要结合商业银行的发展现状以及金融风险的基本概念，根据风险识别的主要原理和方法，总结了风险识别的主要目标和过程，以此重点分析了当前商业银行业在业务发展过程中面临的主要风险形势及风险种类，提出了健全完善风险机制形式的建议，再根据不同的风险类型采取相应的风险控制手段，对所面临的或即将面临的风险实施有效措施，阐述了在内部管理过程中应该坚持的几项原则。最后对所识别出的风险进行评估和计量，再确定风险带来的损益程度，以确保商业银行的持续经营、健康持续而稳定的发展。 【关键词】商业银行 风险管理 风险识别 控制手段 风险机制 Abstract Financial system is the essence of the economy，where commercial banks are the majority of the financial system . The faith and development of commercial banks is depend on the risk management of commercial banks.However how to grasp the risk issues and are control risk effectively ?in the complex economic environment become issues that the public concerns about.The essay combines the current situation of commercial and the banks basic concepts of financial risks , based on major principles and methods of risk recognition , to summarize the target and process of risk recognition.Next,the essay analyze the major risks and kinds of the commercial banks in the current situation , propose suggestions to complete the risk control mechanism and then take different control measures for different risks . In the mean time,the essay also take effective measurements to the upcoming risks ,illustrate the principles in the inner management . In the last part there are assessments and measurements of the risks mentioning in the essay , and discuss the extent of loss and gain brought by the risks and make sure the sustainable and robust development of the commercial banks . Keywords:commercial bank risk management risk identification control measure risk mechanism 一、总论 （一）选题背景 商业银行对于风险的有效管理，不仅有利于商业银行自身业务的不断发展，降低损失的发生，同时也对商业银行的未来命运起着至关重要的作用，更有利于维护整个金融市场环境的安全和稳定。 众所周知金融是现代经济的核心，而商业银行则可以说是金融体系的主体，因此商业银行发展的状况直接关系到国家金融经济体系的健康、安全、平稳的发展。通常的做法是依靠有效的风险识别手段以此为