后危机时代我国商业银行财务风险问题探讨

进入21世纪,我国经济金融形势发生巨大变化,突出表现在商业体系原有格局被打破,银行业监管新格局形成和宏观经济非均衡现象加剧。为应对日趋严峻的经营环境和经营业务复杂化、创新产品多样化的新形势,各银行正逐步提升其经营管理的内容尤其是财物管理内容,转变风险管理理念,提高其风险管理水平,从而不断提高其竞争力。本文就新形势下中国商业银行的财务风险问题进行探讨,从我国商业银行财务风险的特点入手,分析商业银行财务风险现状并揭示其所面临的问题及原因,结合本国实际,提出相应对策以提高商业银行财务风险防控水平,进而提高其竞争力。

Since the beginning of the 21stcentury, great changes have taken place in Chinese economic and financial situations, the most significant of which lies in the breaking of the original commercial system, the formation of the new banking monitoring, and the aggravation of unbalanced macro- economy phenomena. In order to deal with the increasingly severe business environ- ment, the complication of business operation, and the diversity of innovation products, banks are gradually improving their management content, especially that of property management, changing their concepts of risk management, and enhancing their level of it, thus promoting their competitiveness steadily. The paper aims to study the financial risks Chinese commercial banks are faced with under new circumstances. To start with the characteristics of them, the paper analyzes the current state of the financial risks, reveals the origins of them, and, combined with Chinese reality, puts forward some countermeasures to strengthen the commercial banks＇ abilities to prevent and control the financial risks so that the competitiveness of Chinese commercial banks will be greatly increased.