国际金融课程导论论文-我国商业银行金融风险现状及其对策探析.doc

广州大学松田学院 国际金融课程论文 题目（中） 我国商业银行金融风险现状及其对策探析 （英） Our country commercial bank financial risk status and countermeasures in this paper 学生姓名 专业班级 导师姓名 二○一二年六月十日 分工说明： 分工安排 姓名： 学号： 组长： 组员： 姓名： 学号： 1、 2、 3、 4、 5、 摘要 随着全球金融一体化进程的加快,商业银行面临的经营风险日益复杂,这些风险不仅影响着商业银行的经营业绩,而且决定着商业银行的生死存亡。在人们可以看到的或者已经基本表现出来的银行风险背后,必定还有一些比较隐蔽的潜在风险存在,而且随着经济体制改革和加入WTO后全球化的日益加深,银行业又将面临许多前所未有的新的风险。如何把握这些潜在的、新的风险,提出合理的对策,对维护金融体系稳定和国民经济安全有着十分重要的意义。本文阐述了我国商业银行金融风险现状、演变趋势及防范的对策研究，得出现我国商业银行金融业必须重视金融风险，建立起风险内部控制机制和制定合理有效的防范对策，为应对这些潜在的、新的风险作出相应的措施。 关键词： 金融风险 竞争 商业银行 防范对策 Abstract: With the quickening of the process of global financial integration, commercial Banks are facing the management risk of increasingly complex, they not only affects the risk of commercial bank of business performance, and decided the commercial Banks to life and death. In people can see or have basic performance of bank risk out behind, will still have some more hidden potential risks, and as the reform of economic system and to join WTO increasingly deepen globalization, banking and will face many unprecedented new risks. How to grasp these potential, new risks, and puts forward the countermeasures of reasonable, to safeguard the financial system is stable and national economic security is very important meaning. This paper expounds the present situation of Chinas commercial Banks financial risk, evolution tendency and protection countermeasures study, Chinas commercial Banks in the financial industry must pay attention to financial risks, and establish internal control mechanism and make the risk reasonable effective preventive measures, and to deal with these potential new risks, make corresponding measures. Keywords： Financial risk， competitive， business bank， countermeasures 第1章 前 言 1．1金融风险和商业银行风险的概述 金融风险是指任何有可能导致企业或机构财务损失的风险。一家金融机构发生的风险所带来