【作者】 王宁；

【导师】 刘忠燕；

【作者基本信息】 天津财经大学 ， 金融学， 2010， 硕士

【摘要】 商业银行是经营风险的企业,风险管理能力是商业银行的核心竞争力。2006年12月11日,在经过五年的过渡期的之后,我国银行业正式完全对外开放,越来越多的外资银行进入中国市场。同时,我国商业银行也加快了走出去步伐。在更加激烈的竞争中,风险管理水平的高低直接决定了我国商业银行经营的成败。随着我国商业银行改革步伐的加快,主要商业银行已经通过股份制改革,开发风险管理模型和组建风险管理部门等多种途径,在一定程度上提高了风险管理能力。但是,由于受到外部环境和银行内部因素两方面的制约,我国商业银行的风险管理还存在很多问题,包括风险管理技术落后,管理组织不健全,信息披露不完善等。经过多年的发展,国外商业银行已经建立了较为完善的全面风险管理体系。但是,2007年的次贷危机再一次对商业银行的风险管理形成了很大冲击。曾一直是我国商业银行学习榜样的国际活跃金融机构并没能够经受住金融危机的考验,不是巨亏,就是破产,这也再一次暴露出许多风险管理方面的问题,并为我国商业银行的风险管理敲响了警钟。对于我国商业银行来讲,应该在借鉴国外商业银行风险管理经验的同时,吸取次贷危机的教训,才能真正提高风险管理能力。文章共分为六章。第一章主要介绍了文章的选题背景和意义、国内外研究现状,以及研究的创新之处；第二章对风险管理的定义及主要内容作出了界定；第三章对我国商业银行面临的风险状况,风险管理现状及存在的主要问题进行了分析；第四章分析了我国商业银行风险管理落后的原因；第五章介绍了国外商业银行风险管理的经验,并针对次贷危机对风险管理造成的冲击进行了探讨；第六章在借鉴国外商业银行风险管理经验教训的基础上,针对我国商业银行风险管理存在的主要问题,提出了相应的对策。更多还原

【Abstract】 Commercial banks whose core competence is the risk management are the businesses of operational risks. After five years’transition, the banks in our country are official fully opened in 11th December2006. Then more and more foreign banks enter into the Chinese market. However, our commercial banks have also accelerated the pace of going out. Facing the increase competition, the key of winning becomes the level of risk management of our commercial banks.As the commercial banks speed up the pace of reform in china, the main ones have instituted a stockholding system, and developed the risk management models, and incorporated risk management department, and so on, which improve the capability of risk management to some degree. While, owning to the restriction of external environments and internal banks, there are many problems of risk management existed in commercial banks, including backward in risk management techniques, imperfect in management organizations, and incomplete disclosure.After years’development, the foreign commercial banks has established a fairly good overall risk management system. However, the economic crisis in 2007 has a great impact on the risk management of commercial banks once again. So the international financial organizations, which has been models of domestic commercial banks, are in huge loss or bankruptcy. This has taken a toll on the risk management of commercial banks in our country. For our commercial banks, they should draw on the experience of the foreign ones and draw a lesson from this economic crisis. Only through these, we can truly improve our risk management capabilities.This article includes six chapters. Chapter one mainly introduces the research background and significance of this article, and the situation of study in and abroad, and the innovation of this study. Chapter two defines the risk management and gives its main contents. Chapter three analyzes the risk profile that the commercial banks faced in our country and the main problems existed in risk management. Chapter four gives the reasons why our commercial banks lag behind. Chapter five brings some experience of risk management from foreign commercial banks, and discusses the impact of economic crisis on risk management. Chapter six puts some measures for the risk management of our commercial banks at the basis of drawing the experience from that of foreign commercial banks.更多还原