浅谈建设银行金融创新中的风险及其防范对策

Risk and Corresponding Counter-measures in Finance Innovation of Construction Bank

金融创新是一把“双刃剑”。通过金融创新,能够提高建设银行的经营效益和核心竞争力。有效地降低和控制金融风险,但由于金融制度、市场环境、组织体系、人才技术条件的限制,建设银行金融创新常常又使银行业面临新的风险。因此在进行金融创新时,必须清醒认识到金融风险的存在重视金融风险的防范。金融创新要坚持循序渐进、以金融制度创新的先导,应加快建设银行内部改革建立健全符合现代金融运营的风险管理体系。

Finance Innovation is a 'two-edge-blade'. It can improve the benefit and core competitive power, reduce and control the financial risk. But due to the limitation of finance system, market environment, organizing structure and human resource, the finance innovation of construction bank can bring new risk to banking. When finance innovation is performed, the risk should be realized clearly. Finance innovation should follow in order and advance step by step. The finance system innovation should antecede. The reformation inside construction bank should be promoted and the risk management system according with modern finance running should be established.