商业银行风险管理分析 ——以招商银行为例.docxVIP

商业银行风险管理分析 ——以招商银行为例 学号：1313115结课论文〔2013 级〕题目：商业银行风险管理分析——以招商银行为例课程名称：现代商业银行实务院系：金融与贸易学院班级：金融131班姓名：牟雨学号：1313115完成日期：2015年11月21日AbstractCommercial banks are profit seeting financial services companies,whose scope of business is to absorb deposits and loans based, including trust, leasing, storage, exchange, consulting financial management and many other services. Commercial bank with its many instiutions,the wide business volume and abundant capital,becomes the most are the important part in the world financial system.Banking is a business risk http://.doczj/doc/04b197def66527d3240c844769eae009591ba258.html mercial banks,as a special operating money businesss,its risk is different from most people,its 80% - 90% of assets from the customers hands,rather than its own asscts, if any one pary of the lending process will lead to the risk or problems occurred .In recent years, Chinese commercial banks have made rapid progress in construction of the internal control mechanism and also risk management especially identification and evaluation of credit risk,market risk and operational risk.However in comparison with the international advanced financial institutions,there is still a big gap.For Chinas commercial banks,in order to facilitate its healthy development,and enhance its internal and external competitiveness, improving risk management system has become the most important and urgent tasks.This article researched on reality of credit risk,market risk and operational risk management in China Merchant Bank,analyzed the shortcoming of risk management and then presented how to operate the risk management system and inprove the technology of comprehensive risk management and internal control.Key Words:Credit risk;market risk;operational risk;comprehensive risk;management名目一、商业银行风险管理概述………………………………………………………二、招商银行风险管理的现状……………………………………………………〔一〕招行风险管理的总体策略…………………………………………………〔二〕招行的信誉风险管理………………………………………………………〔三〕招行的市场风险管理………………………………………………………〔四〕招行的操作风险管理………………………