当前商业银行面临的经营风险及防范策略

风险是指商业银行在经营中由于各种不确定性因素的存在而发生损失的可能性,其产生的原因在于不确定因素的存在.风险并不等于损失,对于一个机制健全、管理先进、内控完善的进取性银行来说,风险更多的是机遇和盈利机会.近年来,我国商业银行在信用风险管理方面取得了显著成效,但产生信用风险的制度性因素并没有消除,贷款资产中隐含的大量信用风险并未完全释放,防止信用风险的内控体系尚不健全.在关注信用风险的同时,对流动性风险、利率风险、职工行为风险,特别是一些员工的善意行为风险亦不能忽视;由于这些行为风险的隐蔽性、突发性及规避手段的缺失,客观上都放大了这些风险的影响.

Current Operational Risks Faced by Commercial Banks and Preventive Strategy

Risks refer to the likelihood of incurring losses due to operational uncertainties with commercial banks.To an aggressive bank with sound structure,advanced management and perfect internal control,risks mean opportunities and profit rather than losses.In recent years,China's state-owned commercial banks have made much progress in credit risk management.But structural factors leading to credit risks are far from being eliminated;many credit risks still exist in loan assets.There is a crying need to establish an internal control system for credit risks aversion.At the same time,attention should also be drawn to floating risks,interest rate risks,and behavioral risks of the staff,especially the risks caused by good-will behavior of some staff.Impacts of such risks are amplified as a result of their implicit and abrupt nature and lack of effective risk aversion methods.