我国商业银行面临的金融风险及其控制

The Financial Risk Facing China’s Commercial Banks and Its Control

我国银行业在快速发展的同时,面临着严重的系统性金融风险和非系统性金融风险。风险管理是商业银行的生命线。我国商业银行应积极采取措施,强化风险管理能力,减少风险损失;同时金融监管部门也应强化以风险为核心的银行监管,构建以防范风险为基础的存款保险制度。

With the rapid development the banking in China is confronted with serious systematic financial risk and non-systematic financial risk. The risk management is the lifeline of commercial banks. Commercial banks in China should take active measures to improve the ability of risk management reduce the risk loss. Meanwhile the supervision agency should strengthen the financial supervision focusing on the risk establish the deposit insurance system on the basis of preventing risk.