试论国有商业银行风险管理体系再造

风险管理是银行的核心职能,风险管理能力是银行的核心能力,这不仅关系到国有商业银行的生存基础,帮助其摆脱不良资产困境,还直接影响到产品创新、市场扩大、绩效管理、盈利能力等发展性问题。重构风险管理体系,应当按照银行业国际通行标准——《巴塞尔协议》的有关原则要求,借鉴世界先进银行经验,结合业务发展规划,建立符合国有商业银行实际的、完善有效的风险管理体系和机制。

On Reconstruction of the Risk Management in State-owned Commercial Banks

Risk management is a bank's core function,just as risk management capability is its core capability.Risk management is the key not only to the survival of state-owned commercial banks and the elimination of troubles from non-performing assets but also to the development issues,including product innovation,market expansion,performance management and profitability.The reconstruction of risk management system shall follow the principles and requirement of Basel Agreement,the current international standard in the banking industry,refer to the advanced experiences in other countries and consider the bank's own development plan so that an effective,perfect and realistic risk management system and mechanism can be constructed.