国外先进银行风险管理文化对我国商业银行的启示

世界经济在缓慢复苏,但欧美发达经济体债务危机、高失业率、财政高赤字等诸多问题使世界经济复苏的不稳定性上升。未来若干年,我国经济将面临GDP增速放缓、利率市场化步伐加快、人民币汇率波幅加大、通货膨胀等一系列潜在风险。国际金融危机的爆发警示我国商业银行应从危机中吸取经验,借鉴国外先进银行风险管理文化,运用合理的措施应对挑战,以确保其能够稳健经营。

The Benefit of Foreign Advanced Bank's Risk Management Culture on China's Commercial Banks

Though the world economy is slowly recovering, the debt crisis, high unemployment, high fiscal deficit and many other issues in Europe and America＇ s economic system make the instability of world economic recovery increased. During the years, China＇s economy faces potential risks, such as a slowdown in GDP growth trends, fast pace in marketization, RMB exchange rate volatility increases, inflation and so on. The outbreak of the international financial crisis is warning us that commercial banks need to draw lessons from the crisis, borrow risk management culture ideas from advanced foreign banks, the use of reasonable measures to deal with challenges that we could ensure its sound operation.