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风险管理是我国银行业管理中最为关键和复杂的环节。风险管理的好坏直接关系到银行的安全及盈利性,也就是说,是直接关系到银行生死存亡的问题。近几年,银行业由于风险管理能力不足、管理效率低、决策支持薄弱等原因,屡屡爆发超过千万、上亿至数十亿的大案、要案,造成国家和银行的巨大经济损失。
Risk management is the most crucial and complex link in China’s banking management. The quality of risk management is directly related to the safety and profitability of banks. In other words, it is directly related to the bank’s survival and development. In recent years, the banking industry has repeatedly caused over 10 million, billions of billions to billions of major and serious cases due to lack of risk management capabilities, inefficient management, and weak decision support. As a result, huge losses have been caused to the state and banks.