汇率制度改革下商业银行外汇风险管理对策分析

Analysis of Foreign Exchange Risk Management of Commercial Banks under Reform of Exchange Rate System

商业银行既是经营外汇业务的中心,又是自负盈亏的经济主体,汇率制度的改革必然会给商业银行的资本充足率、资产负债业务和外汇产品销售带来一定的影响。商业银行要增强对外汇风险的管理意识,调整外汇资产负债的币种结构,优化贷款的行业和客户结构,积极开发和创新外汇避险和外汇理财产品,以不断增强商业银行自身抵御外汇风险的能力。

Commercial banks are the center of foreign exchange business and the economic subject of personal responsibility,and the reform of exchange system will affect capital adequacy of commercial banks,asset-liability business,and foreign exchange product sales to some extent.Hence,commercial banks should increase management awareness of foreign exchange risk,regulate currency structure of foreign exchange asset and liability,optimize loan and customer structure,actively avoid foreign exchange risk,and develop financial products of foreign exchange to increase the ability to prevent foreign exchange risk.