我国商业银行私人金融业务的风险特征及管理对策

近年来,私人金融业务在商业银行中的战略地位日益重要.但与此同时,作为推动这项业务持续发展的重要保障,私人金融业务的风险管理也必须同步完善.本文认为,相对于公司业务和以储蓄业务为主的传统私人金融业务而言,现代私人金融业务具有其鲜明而迥异的风险特征.而对这些风险特征的忽略,导致了当前我国商业银行的风险管理体系仍然沿用以公司业务为重点的传统模式,风险管理模式的转型滞后于私人金融业务战略地位的转型.为此,作者指出,必须针对私人金融业务的风险特征,重新构建商业银行的风险管理体系,并相应完善商业银行风险管理的外部环境.

Risk Features of Private Banking Business Offered by Our Commercial Banks and Management Measures

In recent years, private banking business is becoming increasingly important in the strategic position of commercial banks. But, risk management of private banking business, an important guarantee for the sustainable developmen t of this business, remains to be improved simultaneously. It is believed that i n contrast to corporate business and traditional savings-oriented private bankin g business, modern private banking business has clear-cut and yet different risk features. Overlooking such features, our commercial banks are still in the trad ition of taking corporate business as core business in managing risks. Obviously , the shift of risk management model lags behind that of strategic position of p rivate banking business. Therefore, it is noted that risk features of private ba nking business should be taken into account in re-establishing risk management s ystem by commercial banks and external environment of risk management by commerc ial banks should be improved.