片面追求市场风险管理方法和风险管理系统的先进性,而缺乏让市场风险管理在商业银行有效运行的机制,将使市场风险管理在商业银行无法得到有效执行。笔者认为,要让市场风险管理在商业银行内部能够行之有效地开展,关键在于建立并有效运行以下风险管理机制。一、市场风险管理机制之一——建立以董事会为核心的公司治理机制1.董事会在风险管理中起主导作用董事会作为股东代表,是银行风险管理的最终责任承担者。一旦银行的风险失控,董事会负有不可推卸的责任。据统计,1990～2006年间倒闭的459家美国银行中,90%是由于董事的消极被动或决策失误所致。其中,倒闭的336家存贷款机构不同程度上存在董事玩忽职守、疏于谨慎的问题。因此董事 One-sided pursuit of market risk management methods and advanced risk management system, and the lack of market risk management in the effective operation of commercial banks will make the market risk management can not be effectively implemented in commercial banks. In my opinion, the key to effective market risk management in commercial banks lies in establishing and effectively running the following risk management mechanisms. I. One of the Market Risk Management Mechanisms - Establishing a Corporate Governance Mechanism with a Board as the Core 1. The Board of Directors plays a leading role in risk management The board of directors, as the shareholder’s representative, is the ultimate responsibility holder of bank risk management. Once the risk of the bank out of control, the board has an unshirkable responsibility. According to statistics, 90% of the 459 U.S. banks that closed down in the period 1990-2006 were due to the directors’ negative passivity or mistakes in decision-making. Among them, the bankruptcies of 336 deposit and lending institutions to varying degrees, there are directors negligence, neglect the problem of cautious. So the director