论商业银行全面风险管理体系的构建

Study of Construction of ERM System in Commercial Bank

理论研究和实践经验均表明银行建立全面风险管理体系已是时代发展的必然趋势。本文在剖析全面风险管理的内涵和解读《新巴塞尔协议》对银行业风险管理影响的基础上,针对我国商业银行风险管理中存在的风险管理流程不规范、治理结构不健全等问题,提出规范全面风险管理流程,营造适宜外部环境,完善公司治理,加强内部基础设施建设等构建全面风险管理体系的思路。

From both theory and practice,we can conclude that construction of ERM system in commercial bank is unconverted tendency.The paper analyzes connotation of ERM,understands the New Basel Accord and points out problems in risk management of our commercial banks,on which the ways construction of ERM system such as normalizing ERM procedures,building proper external environment,perfecting corporate governance,enforcing internal infrastructure construction are addressed.