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商业银行本身就是一种以盈利为目的的金融机构,并且其负债经营的情况比较严重,所以一般商业银行都会面临很高的风险。并且商业银行在进行金融业务时,通常情况下会对业务会面临很多的不确定性,这就更加增加了商业银行所面临的风险。随着经济的发展,商业银行的数量和规模都在不断的扩大,这就直接导致商业银行之间的竞争越来越激烈,从而使商业银行的效益不断降低,所以如何控制风险这将最终决定商业银行的成败。本文就现今商业银行存在控制风险进行讨论,并且提出一些控制风险的措施,希望能为商业银行带来一定的帮助。
Commercial banks themselves are profit-oriented financial institutions, and their debt management is more serious, so the average commercial bank will face a very high risk. And when commercial banks conduct financial business, they usually face a lot of business uncertainty, which further increases the risks faced by commercial banks. With the economic development, the number and size of commercial banks are constantly expanding, which directly leads to more and more intense competition among commercial banks, so that the effectiveness of commercial banks is declining. Therefore, how to control the risk will ultimately decide Success or failure of commercial banks. This article discusses the existing control risks of commercial banks, and puts forward some measures to control the risks, hoping to bring some help to commercial banks.