商业银行的经营风险与系统控制

Management risks and systematic regulation of the commercial banks

我国商业银行所面对的金融风险 ,既包括传统意义上的市场风险和信用风险 ,也包含来自银行内部的操作风险。银行资产负债结构的非对称性 ,银行资产规模的大而不强 ,持续的低效运行弱化了我国商业银行的竞争能力。按照国际上的统一规则 ,从制度建设的角度对市场风险、信用风险和操作风险进行有效的防范 。

The financial risks that Chinese commercial banks are facing to include not only the market risks and the credit risks in traditional sense, but also the operational risks resulting from the inside of the commercial banks. Their nonsymmetrical asset and liability structure, their large but not strong enough asset size, and their continuous inefficient operation have weakened Chinese commercial banks' competitive ability. According to the international unified regulation, to be on guard of the banks' market risks, credit risks, and operating risks effectively on the perspective of institutional construction is the key to Chinese commercial banks' regulation of management risks.