对商业银行经营风险及其治理的研究

The Study on the Business Risk and the Governance of Commercial Banks

随着近年来社会经济的快速发展,银行业风险呈现出复杂多变的特征,人们也逐渐加深了对金融风险的重视与认识,商业银行更逐步认识到其业务的不断创新发展与风险治理之间的密切关系,一个商业银行的风险治理水平可直接体现出它的核心竞争力。通过探讨在商业银行经营中的主要风险类别,分析其经营风险的特点,提出了建立完善的内部风险管理机制、营造良好的商业银行会计内控环境和加强对专业化人才的培养等有效治理策略,以期建立良好的银行风险治理结构与管理机制,增强银行自身对风险的防范与治理能力。

As in recent years the rapid development of social economy,banking risk is showing a characteristic of complex and changeable,people have gradually deepened the attention and understanding of financial risk, commercial banks more gradually realized the close relationship between the business of continuous innovation and development and risk management,a commercial bank risk management level can be directly reflects the core competitiveness.Through the discussion of the main risks in commercial banks operating in and analysis the operational risks of the characteristics,put forward to establish sound internal risk management mechanism, create a good commercial bank accounting internal control environment and strengthen the training of specialized personnel effective management strategies,in order to establish a good bank risk governance structure and management mechanism,enhance the banks on risk prevention and management ability.