文档介绍：精品资料
广州大学松田学院
国际金融课程论文
题目(中) 我国商业银行金融风险现状及其对策探析
(英) Our mercial bank financial risk status and countermeasures in this paper
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专业班级
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二○一二年六月十日
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摘要
随着全球金融一体化进程的加快,商业银行面临的经营风险日益复杂,这些风险不仅影响着商业银行的经营业绩,而且决定着商业银行的生死存亡。在人们可以看到的或者已经基本表现出来的银行风险背后,必定还有一些比较隐蔽的潜在风险存在,而且随着经济体制改革和加入WTO后全球化的日益加深,银行业又将面临许多前所未有的新的风险。如何把握这些潜在的、新的风险,提出合理的对策,对维护金融体系稳定和国民经济安全有着十分重要的意义。本文阐述了我国商业银行金融风险现状、演变趋势及防范的对策研究,得出现我国商业银行金融业必须重视金融风险,建立起风险内部控制机制和制定合理有效的防范对策,为应对这些潜在的、新的风险作出相应的措施。
关键词: 金融风险竞争商业银行防范对策
Abstract:
With the quickening of the process of global financial integration, commercial Banks are facing the management risk of plex, they not only affects the risk mercial bank of business performance, and decided mercial Banks to life and death. In people can see or have basic performance of bank risk out behind, will still have some more hidden potential risks, and as the reform of economic system and to join WTO increasingly deepen globalization, banking and will face many unprecedented new risks. How to grasp these potential, new risks, and puts forward the countermeasures of reasonable, to safeguard the financial system is stable and national economic security is very important meaning. This paper expounds the present situation of China'mercial Banks financial risk, evolution tendency and protection countermeasures study, China'mercial Banks in the financial industry must pay attention to financial risks, and establish internal control mechanism and make the risk reasonable effective preventive measures, and to deal with these potential new risks, make corresponding measures.
Keywords: Financial risk, competitive, business bank, countermeasures
第1章前言
金融风险是指任何有可能导致企业或机构财务损失的风险。一家金融机构发生的风险所带来的后果,往往超过对其自身的影响。金融机构在具体的金融交易活动中出现的风险,有可能对该金融机构的生存构成威胁;具体的一家金融机构因经营不善而出现危机,有可能对整个金融体系的稳健运行构成威胁;一旦发生系统风险,金融体系运转失灵,必然会导致全社会经济秩序的混乱,甚至引发严重的政治危机。
商业银行风险是指在商业银行经营过程中,由于不确定性因素的影响,使得银行实际收益偏离预期收益,从而导致遭受损失或获取额外收益的