金融机构如何规避市场风险

根据金融学"功能观点(functional perspective)"(兹维·博迪,2000),金融业的行业划分是相对的、动态的,金融机构的形式、金融业务范围和产品门类是可变的,但金融基本功能是稳定的。从当今国际金融业的发展趋势看,传统的分业间界限越来越模糊,当前全球金融业混业趋势是比较成本优势竞争法则在重构金融市场中的体现,是市场的必然发展。混业经营会使我国商业银行业务范围逐渐扩大,加上我国经济市场化程度的不断提高,我国商业银行正面临着最来最大的市场风险。在这种情况下控制市场风险成为各金融机构及公司生存的基本条件,为此巴塞尔协议也对此做出了较多的规定。控制风险的第一步就是计量风险,作为一种风险计量和管理的工具。

Chinese economy depends on indirect finance excessively, and indirect finance develops slowly. Such financial structure impairs the ability to diversify financial risk in our country, and has inherited fragility. Moreover, such structure makes agaimt the long-term development of our national economy, therefore increase the proportion of direct finance is our strategic choice.According to functional perspective of financial theory, the division of financial industries is relative and dynamic, and the instit.