金融风险与风险管理

Financial Risk and Risk Management

金融机构对风险的态度逐渐从传统的“有担保论”开始转向积极应对风险,通过恰当有效的风险管理实施增加收益的经营战略,为了适应这一转变,本文首先对金融风险的类型予以阐述;其次,对金融机构所承担的风险加以探讨;最后,对金融风险管理的意义和有关预测手段进行简单的考察。

The attitude towards financial institutions to risk has changed gradually from the traditional guarantee to the positively reacting to risk, while implementing effective business stragegy of income in- crease and appropiate and risk management. For the purpose of adapting to this transition, this paper first- ly comments on types of financial risk, then studies risk management carried out by financial institutions, and finally discusses the signifinance and forecasting tools of financail risk management.