与传统的信贷业务相比,我国商业银行非信贷业务风险管理从监管法规到商业银行内部的风险管理体制机制都存在很多亟待解决的问题。建议从完善监管制度、统一风险偏好、构建专业风控组织体系以及制定相关风险评估标准框架等维度完善非信贷业务风险管理体系。经济发展新常态大背景下,商业银行作为我国服务实体经济最重要的支撑力量,面临着信贷、负债、支付结算的全面脱媒,以及利率市场化的加快和监管新政的 Compared with the traditional credit business, there are many problems to be solved in the risk management system of non-credit business in commercial banks in our country from the regulatory laws and regulations to the commercial banks. It is suggested to perfect the risk management system of non-credit business from the perspective of perfecting the regulatory system, unifying risk appetite, building a professional risk control organization system and formulating the relevant risk assessment standards framework. Against the backdrop of the new normal economic development, commercial banks, as the most important supportive force for China’s service to the real economy, are facing the full disintermediation of credit, debt and payment and settlement as well as the acceleration of market-based interest rates and the regulation of the New Deal