10303我国商业银行潜在风险研究(原稿)

我国商业银行潜在风险研究

我国商业银行潜在风险研究

目 录

摘要（500） .................................................................................................................................................. 2

ABSTRACT ................................................................................................................................................... 3

第一章、绪论 ................................................................................................................................................ 4

1.1研究背景 .......................................................................................................................................... 4

1.2研究目的及意义............................................................................................................................... 4

1.3研究方法 .......................................................................................................................................... 4

第二章、我国商业银行潜在风险现状及原因分析 .................................................................................... 4

2.1我国商业银行的潜在风险 ............................................................................................................... 4

2.2我国商业银行产生潜在风险的原因 ............................................................................................... 5

2.2.2经济周期增强商业银行风险 ................................................................................................ 5

2.2.3市场竞争所引起的商业银行风险 ........................................................................................ 6

2.2.4商业银行创新所引起的风险 ................................................................................................ 6

第三章、降低我国商业银行潜在风险的对策（3500） ............................................................................ 7

3.1建立商业银行操作风险长效机制 ................................................................................................... 7

3.1.1建立有力的操作风险管理流程和框架 ................................................................................ 7

3.1.2培养操作风险文化 ................................................................................................................ 7

3.1.3健全操作风险监控体系 ...................................................................................................... 7

3.1.4开展运行效果评估 ................................................................................................................ 8

3.2强化商业银行信用风险管理的途径 ............................................................................................... 8

3.2.1强化信用风险管理的内部途径 ............................................................................................ 8

3.2.2强化信用风险管理的外部途径 ............................................................................................ 8

3.3加强我国商业银行市场风险预防的内部建设 ............................................................................... 9

3.3.1树立先进的风险管理理念 .................................................................................................... 9

3.3.2建立全新的风险管理组织体系 ............................................................................................ 9

3.3.3提升和改进市场风险管理的方法和技术 ............................................................................ 9

第四章、结论与展望（500） ..................................................................................................................... 11

参考文献（500） ........................................................................................................................................ 12

致谢（500） ................................................................................................................................................ 13

我国商业银行潜在风险研究

摘要

我国商业银行在短短的几年，最长也不超过十几年，就跨越了国际其他商业银行几十年的发展路程，加之我国正处在社会主义市场经济的重要转型时期。因此，我国的商业银行潜在风险预防管理改革面临内部环境和外部环境都异常复杂，潜在系统风险、潜在信用风险、潜在市场风险、潜在操作风险等多重潜在风险相互交织。且我国商业银行潜在风险跨度大、涉及面广。在这样的历史大背景下，深入的研究我国商业银行潜在风险具有十分重要的现实意义。本论文就是通过对我国商业银行潜在风险现状的介绍，并通过对我国商业银行潜在风险产生的原因进行深入的分析，最终通过我的所学，结合各位专家学者的研究成果，总结出我国商业银行降低自身潜在风险的对策。希望我的研究成果，可以为我国商业银行预防和管理其潜在风险作出一定的贡献。

关键字：我国商业银行；潜在风险；分析研究

我国商业银行潜在风险研究

ABSTRACT

Our country commercial bank in a few short years, the length is not more than a dozen years, across other international commercial bank development of a few years away, together with our country socialist market economy is in an important transition period. Therefore, China's commercial banks risk prevention management reform is faced with internal and external environment are very complex, potential systemic risk, credit risk, market risk potential potential potential operation risk, such as multiple potential risk interweave each other. And our country commercial bank risk potential span is big, involve wide. In this historical background, in-depth study of China's commercial banks risk has very important practical significance. This paper is based on our country commercial bank risk potential of the introduction, and through to our country commercial bank risk potential causes of thorough analysis, finally through what I learn, with experts scholars research results, summed up China's commercial banks to reduce their potential risks count …… 此处隐藏：15357字，全部文档内容请下载后查看。喜欢就下载吧 ……