商业银行风险管理的三维整合模式研究

An Integrated Three Dimensional Model of Risk Management for Commercial Banks

风险管理历来是商业银行的难点和痛点,备受理论和实践的关注。目前,商业银行的风险管理主要按照其内涵来分类,并据此开展组织设计、岗位设置和人员配备。本研究尝试突破风险内涵的分类,依据类型学的思路从其他维度进行整合与重塑,力求给予风险管理以新的视角和探索。研究分别提出了基于时间、措施和业务层次维度的新型风险管理分类,探讨了三种分类下辖九种类型的特征和发展阶段。在比较上述三种维度风险分类异同的基础上,提出商业银行基于时间、措施和层次三维风险管理的整合模型,用以完善全面风险管理体系,持续提高风险管理水平。

Risk management has always been sophiscated and painful for commercial banks, and received much attention both in theory and practice. The risk management in commercial banks is divided according to risk categrazation. This paper intends to provide a new perspective for risk management from the angle of typology. A new risk classification method is proposed based on the integration of three dimensions including time, measures and business level, and the features and development stages of the nine sub-classifications are explored. This paper then proposes a new risk management model based on the integration of the three dimensions including time, measures and business level.