文档介绍：内容提要‰急138 商业银行风险是指商业银行在经营中,由于各种不确定因素的存在雨招致经济损失的可能性。它既来自于银行外部,也来自于银行经营内部。商业银行风险并不是不可预知的,可以用财务报表分析法、风险树搜寻法、专家意见法来识别风险,周客观概率法、主观概率法、统计估值法来量化估计风险。由于效益与风险并存,要正确处理风险,必须采用效益分析、综合权衡等方法正确评价风险,采用优势原则、期望值原则、最小方差原则等正确的原则选择风险。处理商业银行风险的方法有风险预防、风险规避、风险分散,风险转嫁、风险抑制和风险补偿等。随着科学技术的不断进步,银行欺诈和计算机犯罪的危害越来越大,要防范这两种新的风险,必须从内控制度、人员素质、监控技术上严格把关,以此来使商业银行的经营达到风险最小化、效益最大化。/商业银行风险现阶段表现为资本负债、存款负债、借款负债、现金资产、借款资产、外汇业务、银行欺诈、计算机风险。对每一种风险应采取相应的措施进行防¨ 、汜。}、。主题词:商业睾妄备风釜管逸)彳沁■苫7噬主题词:商业银行风险管理.’_{!娑i,.i点堕 Abstract The mercial banks isthepossibility oftaking risksintheirrunning due totheexistence ofmany variable factors This kind of possibility e from both extemal environment and intemal management ,the mercial banks the one hand,we can identify them withmany methods,which include financial statement'analysis,risks treetracing andexpertopinions analysis. Intheotherhand,these risks can also becalculated inadvance in the following ways:objective probabilityanalysis,subjective probability analysis andstatiticsestimating. Because thebeneficial results and risksexistinthesame time,we should deal withvarious sorts , we must adopt themethods ofbenefitanalysis prehensive balancing toevaluate we must insist on the following principle:superiority principle,expectation calculations principle and the minimum square difference principle ,we must employ thefollowing ways tohandle therisks mercial banks,which containrisks precaution,risks dispersion,risks avoiding,risks transferring, risksreplanting and thedevelopment of science and technology,the danyer of bank fraudulent puter crime are ing more and more be on guard against thetwo new types ofrisks,we should eamestly tighten up therulesandregulations ofinternalcontrol,raise the 11 qualifications ofemployees and improve supervision technology inthisway,we can realizetheminium risksand the maximum benefitsinthemanagement mercial bank