摘要
业务发展与风险管控作为商业银行的两大永恒主题,在经济发展新常态下探索二者均衡发展路径,是当前和今后一段时期商业银行需要认真研究思考的重大课题。本文从宏观经济结构性改革、商业银行转型、风险管控创新等视角,通过剖析商业银行面临的经济形势,围绕发展与控险平衡主线,运用面板数据方法对业务发展与风险管控两者关系进行定量分析,并借鉴国外管理模式,提出二者实现均衡的思路、原则和路径,对商业银行可持续发展具有一定借鉴意义。
The business development and risk management and control are two eternal themes of commercial banks, and it is a major task to explore the balanced development path of the business development and risk management and control under the new normal of the economic development which commercial banks need to carefully think about and study at present and in the future. From the perspectives of macroscopic economic structural reform, the transformation of commercial banks and risk management and control innovation etc., the paper analyzes the economic situation faced by commercial banks. Centered on the balance between the development and the risk management and control and using the panel data method, the paper quantitatively analyzes the relationship between the business development and the risk management and control. Finally, the paper draws lessons from foreign management modes, and puts forward the ideas, principles, and the path of balancing the business development and risk management and control, which is the reference to the sustainable development of the commercial banks.
作者
王伟
张召娣
王博峰
WANG Wei;ZHANG Zhaodi;WANG Bofeng(Shaanxi Branch ABC, Xi' an Shaanxi 710002)
出处
《西部金融》
2018年第3期11-14,54,共5页
West China Finance
关键词
商业银行
业务发展
风险管控
均衡路径
commercial bank
business development
risk management and control
equilibrium path