《宁波银行财务风险管理分析》【毕业设计论文】.docVIP

商业银行财务风险管理 ——以宁波银行为例 摘　要：随着世界经济的不断发展，金融对经济的发展有着重要的影响力和推动力，尤其是在金融业已经成为现代经济体系核心的今天。在现代世界各国的金融体系中，商业银行占据十分重要的地位。而在这瞬息万变的环境中，商业银行财务风险正在不断积聚并以各种形式表现出来，由此引出的商业银行财务风险管理也日趋重要。 本文从财务风险管理的意义入手，总结过去有关财务管理、财务分析、银行风险管理的文献资料，对其基础理论作了简要介绍。并在此基础上通过对宁波银行股份有限公司进行财务分析，为宁波银行提供微观和宏观层面的财务分析信息，从而增加企业效益，提高竞争能力和可持续发展能力。同时也为其他商业银行在财务风险管理上提供借鉴。 关键词：财务管理；风险管理；财务环境；财务报表 Financial Risk Management of Commercial Banks ——For example bank of Ningbo Abstract：With the development of the world economic, financial has the important influence and driving force on the development of the economic. Especially, the financial has become the heart of the modern economy today. In the modern financial system of the world, commercial banks take the very important position. While in the fast-changing environment, the financial risks of the commercial banks are constantly accumulation and displayed in the various forms. And the financial risk management of the commercial banks has become more and more important. We write the article from the sense of the financial risk management, and summarize the literature about the financial management, financial analysis and the risk management of the bank previously. Next，we introduce the basic theories briefly. And on this basis, we provide the financial analysis information about the micro and macro levels to bank of Ningbo through the financial analysis of the bank of Ningbo. Thus we can increase the performance of enterprises, competition ability and the sustainable developmental capacity. At the same time, we can also provide reference for the other commercial Banks in financial risk management. Key words：Financial management；Risk management；Financial environment；Financial statements 目 录 引言………………………………………………………………………………1 商业银行财务风险管理的基础理论……………………………………………1 商业银行财务风险管理的内涵……………………………………………1 商业银行财务管理的职能…………………………………………………2 商业银行财务管理的总体目标……………………………………………2 宁波银行财务环境分析…………………………………………………………3 公司概况……………………………………………………………………3 宁波地区经济形式分析……………………………………………………3 公司宏观基本面分析……………………………