我国商业银行风险管理分析与对策论文.doc

毕业论文 题目名称：我国商业银行风险管理分析与对策 摘 要 自商业银行产生，风险就与之相伴、形影不离。随着银行业务的不断发展和市 场竞争的加剧，银行业风险也呈现出复杂多变的特征。金融是现代经济的核心，银 行业则是金融业的重要组成部分，随着人们对金融风险的重视和认识的加深，国际 银行风险管理的内涵和理念不断深化，水平也在个断提高。 中国是处于转型过程中的发展中国家，外部经济环境较为复杂，银行业发展还 很不成熟，风险的表现形式更为特殊，这对风险管理提出了更高的要求。本文从商业银行风险管理的一般理论出发，概述了商业银行风险管理的定义、目标、分类及意义，然后比较系统地阐述了我国目前商业银行风险管理的现状，指出我国商业银行风险管理中存在的不足。最后针对目前我国商业银行风险管理的客观现状通过案例从国外商业银行风险管理给予分析研究，并从中借鉴，分析得出我国商业银行风险管理的对策及建议。 关键词：商业银行；风险管理；分析与对策 Abstract Generated from commercial banks , the risk is accompanying , inseparable. With the continuous development of banking and market competition intensifies, banking risk is also showing complex features. Finance is the core of modern economy , the banking industry is an important part of the financial industry , as people s attention and financial risks deepening understanding , international banking and risk management concept connotation deepening level is also a continuously improve . China is in the process of transformation in developing countries , the external economic environment is more complex , the banking industry is still immature, more specific forms of risk , which is a higher risk management requirements . . In this paper, learn from their predecessors have been on the basis of academic achievement , through a lot of reading library books and commercial bank risk management-related information , as well as related articles on the Internet to inspire their own inspiration and active thinking, first understand the commercial banks the basic characteristics of the various methods and risk management of commercial banks risk , given through the case from the foreign commercial bank risk management analysis, and learn from , the analysis results of the commercial bank risk management strategies . Keywords: Commercial Banks；Risk managementnalysis and Countermeasures 我国商业银行风险管理分析及对策 目录 1 引 言 2 1.1 研究背景和意义 2 1.2国内外研究现状与发展趋势 4 1.3研究目标与主要内容 4 1.4 文献综述 5 2 商业银行风险管理基本概述 8 2.1 风险管理的定义 8 2.2 风险管理的目标 8 2.3风险管理的基本程序 8 2.4风险管理的意义 9 3 我国商业银行风险管理现状分