我国中小商业银行风险分析

我国中小商业银行在其经营管理过程中一直面临着风险管理问题，近年来，风险管理愈是银行在管理过程中亟须解决的难题之一。本文首先从我国中小商业银行的发展现状出发，主要是中小商业银行在市场定位、技术创新和经营管理方面存在诸多问题，其次分析其风险形成的外部原因和内部原因所在，得出了其风险形成的根本原因是内部风险控制部门的管理制度缺乏有效性，再次基于以上的问题给出了一系列的风险管理策略，主要是提高内部风险控制体系的效率和引入VaR模型进行风险管理。最后得出结论，虽然文章给出了相关的风险防范策略，但是面对瞬息万变的金融市场，商业银行的风险管理策略仍然需要深入研究。
关键词:中小商业银行；风险分析；SWOT模型

Risk Analysis of the Small and Medium Commercial Banks in China
 
Abstract：Small and medium-sized commercial banks in China have been faced with the problem of risk management in the management process. In recent years, the more risk is needed in the management process one of the difficult problems to solve. First of all, this paper starts with the current situation of small and medium-sized commercial banks in China, it is mainly the market positioning, technological innovation and management, there are many second, it analyzes the external causes and internal reasons of the formation of risk is the lack of management system of internal risk control departments lack of effectiveness, this paper gives a series of risk management strategies based on the above problems, mainly to improve the efficiency of internal risk control system and the introduction of VaR model Risk Management. Finally, it is concluded that although the article has given the related risk prevention strategy, but facing a fast changing financial market, the risk management strategy of commercial banks still needs further study.
Key words：Sovereign-debt crisis; Local government debt; Foreign exchange reserves

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