金融风险管理的演进:动因、影响及启示

The Evolution of Finance Risk Measurement : Incentives, Influence and Implications

近半个世纪以来,无论是金融风险管理的理念和组织架构,还是金融风险管理的具体内容和方法,都发生了巨大的变化。本文从金融机构对自身利益的追逐、外部环境的复杂多变、金融理论与技术的进步以及人们对重大损失性事件的反思等方面,深刻地揭示了推动金融风险管理演进的主要因素,沿着这一思路,本文进一步分析了这一演进给金融领域带来的深远影响及其对我国金融业发展的启示意义。

Since nearly half century, finance risk management has had many huge changes in management idea, organization system, risk management content and the method. This article promulgates that, financial institutions＂ pursuing profit, the complex and changeable external environment, advancement of financial theory and technology as well as the reconsidering of heavy loss events have profoundly promoted finance risk management evolution. Along this clue, this article has further analyzed the profound influ- ence of this evolution and the enlightenment significance to our country financial industry development.