国有商业银行风险管理现状及对策研究

On the Risk Administration Situation and Strategies of State-owned Commerce Bank

随着我国金融体制改革的推进,国有商业银行风险管理现状与发展需求之间的矛盾越来越明显,信用基础薄弱、经济结构不合理、法制约束乏力、管理机制混乱、技术水平滞后等问题严重影响着风险管理水平。国有银行只有改善环境、强化理念、完善机制、提高技术、充实资本,切实提高风险管理水平,才能实现竞争中的持续发展。

With promoting the reform of financial system in China,the contradiction between risk management situation and development need of state-owned commerce bank is more and more obvious.Many problems influenced on the level of risk management are as follows:weak credit,unreasonable economic structure,lack legal control,disorder administration system.The state-owned banks must improve environment,enhance the ideas,perfect mechanism,increase technology in order to improve the level of risk management,which can realize the constant development.