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文章认为 ,金融企业要在市场中赢得竞争的胜利 ,必须主动经营风险。金融企业面临的风险主要有信用风险、市场风险、操作风险、环境风险和行为风险等 5大类 ,且各种风险相互融合和交织。金融企业应针对这些风险 ,建立相应的风险回报管理战略 ,包括规模战略、类分战略和推断性战略。在经济全球化、金融一体化的新形势下 ,金融企业不应只是简单地回避风险 ,而应及时发现风险 ,并通过吸收风险和提供风险服务来赚取回报。
The article holds that financial enterprises must win the competition in the market and take the initiative to manage the risks. The risks faced by financial enterprises are mainly classified into five major categories: credit risk, market risk, operational risk, environmental risk and behavioral risk, and the various risks are integrated and intertwined. Financial enterprises should aim at these risks and set up the corresponding risk management strategies, including the strategy of scale, the strategy of classification and the strategy of inference. Under the new situation of economic globalization and financial integration, financial enterprises should not just avoid risks but find risks in a timely manner and make profits by absorbing risks and providing risk services.