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随着我国市场经济体制改革的深入,市场经济发展存在诸多不预知因素,使商业银行面临风险大大提升。商业银行的工作多侧重对资金的管理,恰恰财务风险是商业银行风险中最重要组成,贯穿于银行财务管理的各个环节中。文章笔者从理论基础出发,着重阐述我国商业银行财务风险防范存在的问题及原因,并结合实际国情提出具有建设性的对策和意见。
With the deepening of the reform of the market economy system in our country, there are many unpredictable factors in the development of the market economy, which have greatly increased the risks faced by commercial banks. The work of commercial banks focuses on the management of funds. Just as the financial risk is the most important component of commercial banks’ risks, it runs through all aspects of the financial management of banks. Based on the theoretical basis, the author emphatically expounds the problems and reasons of the financial risk prevention of commercial banks in our country and puts forward some constructive countermeasures and suggestions according to the actual conditions.