RAROC在商业银行经营管理中的应用研究

近年来，我国商业银行的风险管理机制得到了很大的改善，风险管理技术也有了长足的进步，但在经营管理过程中业务发展与风险控制的关系仍不能处理得很好。RAROC（风险调整后的资本回报率）作为将风险进行考量的一种管理方式，将商业银行的管理带入了全面风险管理阶段，其在绩效评估上的准确性和科学性备受广大银行的推崇。学习和借鉴以RAROC为核心的风险管理技术，对于推进我国商业银行实行全面风险管理具有十分重大的意义。

Applicable Research of RAROC in Commercial Banks' Management

In recent years,the risk management mechanism of our country's commercial bank has been greatly improved,and the techniques of risk management have also made substantial progress,but it is still can't properly handled that the relationship between business development and risk control in the course of operation and management.As a risk management approach of considering and computing risk,RAROC(Risk Adjusted Return On Capital) takes the commercial bank's management into the stage of comprehensive risk manag...