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对各种风险进行有效地控制是各商业银行经营管理中的一大战略问题。自上世纪70年代以来,随着全球金融环境的不断复杂化,在金融全球化、自由化为导向的金融市场环境影响下,风险的识别、控制、防范已经成为各商业银行空前重视的问题。改革开放三十多年来,我国商业银行一方面借鉴国际先进的银行风险管控经验,一方面结合中国的实际和国情,加强对商业银行风险的管控,风险控制意识和管理水平的到显著提升。本文将站在内部控制的高度,对商业银行的风险管控中存在的问题进行探析,并根据商业银行的具体情况提出有效的解决对策,以期为促进我国金融业与国际金融接轨奠定基础,为促进我国金融市场改革速度的提升创造条件。
Effective control of various risks is a major strategic issue in the management of commercial banks. Since the 1970s, with the ever-increasing complexity of the global financial environment, risk identification, control and prevention have become an unprecedented priority for commercial banks under the influence of financial globalization and liberalization-oriented financial market environment. Over the past thirty years of reform and opening up, on the one hand, China’s commercial banks draw on the advanced international experience in bank risk control. On the one hand, in light of China’s actual conditions, China’s commercial banks have stepped up their risk control over commercial banks and risen their risk awareness and management level. This article will stand at the height of internal control and analyze the problems existing in the risk control of commercial banks and put forward effective solutions according to the specific conditions of commercial banks in order to lay a foundation for promoting the integration of China’s financial industry and international finance, Conditions for Improving the Speed of Financial Market Reform in China.