论我国商业银行中间业务风险的防范-金融学专业论文.docxVIP

内窨提要都要以充分发挥金融监管当局和同业组织的监管功能为前提和保障。 内窨提要 都要以充分发挥金融监管当局和同业组织的监管功能为前提和保障。 中间业务的发展在我国方兴未艾，成为所有商业银行的战略重点。在发展 和扩张占主导思想的竞争状态下，风险的防范很容易被忽视，本文着重探讨了 在中间业务发展过程中对其风险的防范对策，为中间业务的发展提供保障。 关键词：中间业务风险风险防范内部控制外部监管 A丑STRACTABSTRACT A丑STRACT ABSTRACT As our co．try has joined WTO，the commercial banks ofChina are facing the keen competition from foreign banks．The intermediate business has been the focus that is fought for fiercely．At the same time，however,it is for a long time that the commercial banks of China have been devoted to assets and liabilities business． Intermediate business is a‘bottleneck’of the development of Chinese commercial banks．So the development of intermediate business is essential tO commercial banks． Anyway the development of intermediate business is not the one without COSt， the intermediate business are risky．It has credit risk，market risk，operation risk， liquidity risk and legal risk just as assets and liabilities business but its risks are not the same in nature as tlle other two． Facing the situation commercial banks in our country should learn from those in western countries，they should control and regulate risks in the point of view of intemal and extemal of commercial banks． From intemal point of view,commercial banks should perfect the financial system，business disposal，risk alert system．On the other hand，they are devoted to the construction ofinternal auditiOn and reasonable fee-collection standard。 From external point of view,regulation organization should play the role of regulator in the fields of information disclosure of intermediate business，regulation of capital adequacy ratio，construction of payment and clearing system．The regulation organization and peer trade organization will exert their functions respectively． Above a11．commerciai banks of China should control risks of intermediate business at the same time of development of it．And only by this method intermediate business is able to go ahead in a healthy and stable way． Key Words：Intermediat