商业银行投资业务项目风险管理分析

目       录

一、背景···························································3

二、商业银行投资业务项目风险分析···································4

   (一)市场风险····················································4

 (二)信用风险····················································4

(三)技术和营运风险··············································4

(四)其他风险····················································5

三、我国商业银行投资业务风险管理存在的问题·························6

(一)投行业务范围单一，缺乏多样性和创新性························6

（二）专业人才匮乏，创新能力不强·································6

（三）政策法规存在盲区···········································6

（四）与传统业务的关联风险········································7

四、我国商业银行投资业务风险管理应对措施···························7

（一）实行投行业务分级准入制·····································7

（二）加强人力资源建设···········································7

（三）完善风险内控体系···········································8

（四）完善风险外部监控···········································8

五、结论···························································8

内 容 摘 要

随着我国改革开放的深入和世界经济全球化趋势浪潮的席卷，国外金融机构大量涌入国内，以及非银行金融机构对银行业务渗透，我国传统商业银行面临前所未有的挑战。如果商业银行依旧坚持传统的存贷、汇兑业务，不通过金融创新拓展业务领域（如积极开展投行业务），必然导致盈利能力减弱，失去持续发展的根源。本文从我国商业银行的实际情况出发，首先对我国商业银行开展投资银行业务项目风险进行分析；其次指出我国商业银行开展投资银行业务项目风险管理存在的问题；最后，针对我国商业银行投行业务风险管理存在的问题，提出通过外部管控、内部人力资源建设、风险管控等办法提升我国商业银行投行业务项目风险管控水平。

【关键词】商业银行    投资银行业务项目  风险管理