关于商业银行经营风险管理的几点思考

Some thoughts on the operation risk management of commercial banks

随着国内经济增长进入减速换挡新常态,各商业银行之间、商业银行与非银行金融机构之间、互联网金融机构之间的市场竞争越来越激烈。商业银行要想提升经济实力,维持在市场竞争中的优势地位,就必须重视经营风险管理。为此,文章首先阐述商业银行所面临的主要的风险类型,分析加强风险管理的积极意义,研究与探讨当下在风险管理过程中遇到的问题,并提出有效建议,帮助商业银行强化风险管理机制,提升风险防范水平。

As domestic economic growth enters a new normal of deceleration and gear shifting,market competition among commercial banks,between commercial banks and non-bank financial institutions,and among Internet financial institutions is becoming more and more intense.If commercial banks want to enhance their economic strength and maintain their dominant position in market competition,they must pay attention to operational risk management.To this end,this paper first expounds the main types of risks faced by commercial banks,analyzes the positive significance of strengthening risk management,studies and discusses the problems encountered in the current risk management process,and puts forward effective suggestions to help commercial banks strengthen their risk management mechanisms and improve their risk prevention levels.