商业银行风险管理

中文摘要
随着金融自由化，全球化趋势的加强和金融竞争与创新的发展，建立全面风险管理模式是现代商业银行发展的必然趋势，也是国际化商业银行谋求持续发展的最重要的方式。商业银行不仅是经营货币的企业，更是管理风险的企业。《商业银行法》规定了商业银行的“效益性、安全性、流动性”三原则，而这三性都离不开风险管理。从发达国家、地区银行的实践来看，风险管理贯穿于银行工作的全过程，所有工作以防范风险为核心。可见，全面构建现代商业银行风险管理体系并适时进行创新，既是商业银行改革与发展的重要内容，又是提高质量效益的重要保障。

关键词：商业银行，风险管理
Abstract
With financial liberalization, the strengthen of globalization as well as the development of financial competition and innovation, to establish a comprehensive risk management model is not only necessary to the development of modern commercial banks, but also the most important way to the international commercial banks to buck for a long-term development. Commercial banks manage not only currency, but even a risk management corporation. "Law on Commercial Banks" prescribes three principles to the commercial banks--“Effectiveness, Safety and Mobility", three of which are indispensable to risk management. From the practice of developed countries and their regional banks, risk management goes through the entire process of the work in the bank, the core of all the works is to keep away risks. Obviously, to construct the risk management system in the modern commercial banks comprehensively and to innovate it time to time is not only the important part of reformation and development, but also the guarantee to the improvement of quality benefit.
 
Key words: commercial banks, risk management

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