对商业银行实施合规风险管理的分析与探讨

随着金融全球化、市场化的迅速发展和银行业间竞争的不断加剧,特别随着各行股份制改造带来的内部治理结构和管理机制的深刻变化,整个经营运行的环境日趋复杂,商业银行不仅面临着传统意义上的信用风险,而且还承担着更加多变的操作风险和市场风险,风险管理难度日益加大,风险日益增多。实施合规风险管理已经成为确保提高经营管理水平的关键环节。本文指出了商业银行风险管理工作中存在的薄弱环节和合规风险管理体系应具备的主要特点,并就如何建立合规风险管理体系提出了相关建议。

Along with the rapid development of financial globalization ＆ marketization and the unceasingly intensification of inter-bank competition, especially with the profound changes of internal management structure and management mechanism resulting from banks＇ joint-stock system reform, the whole financial operation environment has become increasingly complex. Commercial banks are not only facing the traditional credit risk, but also undertaking more changeable operation risk and market risk. The difficulty of commercial banks＇ risk management has been aggravated. Implementation of compliance risk management has become a key link in the management level. This thesis has pointed out the weak links in commercial banks＇ risk management as well as the main characteristics that compliance risk management system should have, and put forward relevant proposals on how to establish a compliance risk management system.