加强我国银行业风险管理提高商业银行核心竞争力

Risk Mangagement and Core Competence of Chinese Commercial Banks

处于市场激烈竞争条件下的商业银行,核心竞争力是生存的一个关键因素。我国商业银行目前面对利率流动性及操作等风险及外资银行以及其他银行的竞争。我国商业银行为求发展,必须克服自身的种种弊端,加强风险管理,组织起有机统一的能力集合体,加快产品开发,进行金融创新,提升核心竞争力,应对行业的挑战。

Core eompetenee is the essential faetor for the existenee and development of eommereial banks in the intense market competition. Commercial banks need overcome their disadvantages, particularly credit risks, and the challenges for foreign banks. It is neeessary for eommereial banks to strengthen risk management, form a organie eombination of eapaeities, set up modern enterprise system, aeeelerate the development of new produets, boost finaneial innovation. In this way ean they promote their eore eompetenee and meet those ehallenges.