我国商业银行全面风险管理模式环境初探

On Enterprise Risk Management Mode in Commercial Banks of China

中国商业银行目前普遍存在的风险管理模式与外部环境和内在要求的严重失衡,是其潜在的风险隐患。从构建中国商业银行全面风险管理模式的视角出发,结合商业银行全面风险管理模式的形成阐述了商业银行全面风险管理模式的环境基础;进一步从公司治理、内部控制、风险文化和管理战略层面揭示中国商业银行的环境现状;在此基础上,最终提出了中国商业银行全面风险管理模式的环境治理构想:多维度探索中国商业银行全面风险管理模式的公司治理结构、内部控制、风险文化和管理战略。

Severe imbalance between the risk management mode and the external environment and the internal demand in commercial banks is a potential risk. Based on the enterprise risk management mode, together with the formation, the paper discussed its environmental foundation, revealed the environmental situation from aspects of corporate governance, internal control, risk culture and management strategies. Moreover, the concept of environmental governance is put forward.