商业银行财务风险及对策研究.docx

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 PAGE 精心整理 仅供参考 勿用作商业用途 摘 要 随着金融全球化和国际资本流动的不断发展，资本外流已然呈上升趋势发展，以此为基础，金融投资的风险也在不断加大。很多学者加强金融风险研究是为了加强对金融资本风险的监管。我国在财务风险研究上还在初期阶段，没有出现科学的测控和监管系统。目前，银行的财务风险管理的体系在实践中存在着资产安全性下降、资本充足性下降、流动性水平偏低、表外业务风险高等诸多问题，以上所说的问题直接影响到了我国商业银行的战略管理转型、商业银行市场化的改革、信息技术的有效性以及运营管理的性能，急需加强研究人员的关注和重视。财务风险的研究对于商业银行的稳定和发展有着重大意义。 文章首先介绍了研究背景、研究意义和目的、国内外研究现状、研究内容等，然后介绍了商业银行财务风险的含义、类型及相关理论，再从商业银行在管理过程中出现的资产安全性下降、资本充足性下降、流动性水平偏低、表外业务风险高这几方面进行分析研究，然后针对商业银行在管理过程中如何有效削弱财务风险给出可行性建议和措施，最后以浦发银行为案例对部分问题进行分析。 关键词：商业银行；财务风险；风险管理 Abstract With the continuous development of financial globalization and international capital flows, capital outflow has shown an upward trend. On this basis, the risk of financial investment is also increasing. Many scholars strengthen financial risk research in order to strengthen the supervision of financial capital risk. Our country is still in the initial stage of financial risk research, and in the early stage of theoretical formation, there is no scientific monitoring and monitoring model. At present, the banks financial risk management system in practice there are assets safety descent, capital adequacy, low level of liquidity, off-balance sheet risk higher many problems, the above said problems directly affect the transformation of the strategic management of Chinese commercial Banks, commercial Banks marketization reform, information technology is effective and the performance of the operation management, the need to strengthen the attention of researchers and attention.The study of financial risk is of great significance to the stability and development of commercial Banks. First based on the research background, research meaning and purpose, research status at home and abroad, introduces the research content, and then to the commercial bank financial risk meaning, types and related theories, and then from the commercial Banks in the management process of asset security descent, capital adequacy, liquidity level is low, high off-ba