从国际视野看如何构建现代商业银行风险管理体系 )（How to construct a modern commercial bank risk management system from an international view）.doc

从国际视野看如何构建现代商业银行风险管理体系 )（How to construct a modern commercial bank risk management system from an international view） How to build a modern commercial bank risk management system from an international perspective -------------------------------------------------------------------------------- Http:// 2006 07, 10, 18:40, golden time net financial times ChunZi Zhang Abstract: in the face of great changes in the business environment, to maintain and enhance the core competitive ability, the western commercial banks to increase the risk management system reform and innovation, has made great progress in the concept of risk management, risk management system, risk management technology etc.. This paper introduces the reform and innovation of the western commercial bank risk management practices: establish a sound risk management system, relatively independent operation mechanism, strengthen risk management and effective attention to operational risk and market risk management and so on. Domestic commercial banks have important reference significance. In recent years, tremendous changes in the business environment, to maintain and enhance the core competitive ability, the western commercial banks to increase the risk management system reform and innovation, has made great progress in the concept of risk management, risk management system, risk management technology etc.. The reform and innovation methods of risk management in western commercial banks have important reference significance to domestic commercial banks. I. establishing and improving a relatively independent risk management organization system The risk management of western commercial banks is more and more strict in organizational system, formed by the board of directors and senior management personnel directly led to the independent risk management department, as the center, internal risk management system is closely related to the various business units. (1) risk management is an important decision-making