论我国商业银行的经营与管理

摘要·······························································2

前言·························································3

我国商业银行的发展现状·······································3

 国际化步伐加快·················································3

 银行基层化·····················································4

 业务趋同化·····················································4

 中间业务比重日益加大···········································4

 不断开拓个人银行业务···········································5

 电子银行发展迅速···············································5

我国商业银行所面临的问题·····································5

 产权性质趋同，国有化程度高·····································5

 资源配置无序，决策效率低下·····································5

 核心业务单一，经营范围较窄·····································6

 混业经营受限，市场资源割裂·····································6

 不良资产巨大，金融安全堪忧·····································6

 割裂控制失效，风险防范不足·····································6

适合我国商业银行发展变革的合理途径···························7

1.  重塑银行产权结构···············································7

2.  变革银行组织架构···············································8

3.  强化银行核心业务···············································9

4.  组建混业经营模式··············································10

5.  建立银行信用体系··············································10

6.  提升银行风险控制和管理能力····································11

五、  总结························································12

参考文献··························································13

内 容 摘 要

从美国次贷危机到全球金融海啸的爆发不仅使很多中小商业银行破产倒闭，一些大型商业银行也面临破产危机。随着我过商业银行改革的不断深入如何提高经济效益的同时并有效地防范与化解风险已成为我们不可忽视的重要问题。商业银行的经营实际上是在风险和收益之间寻找平衡，通过风险有效管理而创造价值。本文就我国商业银行经营风险及如何有效管理.防范风险进行论述。我国国有商业银行应当建立完善的风险管理制度体系，进行整体管理策略，通过独立且权威的风险管理部门实现对银行内部各个机构的风险进行有机统一的管理，通过科学的风险管理模式实现对各种类型风险的全面、全程管理。

关键词     发展现状   风险管理   竞争  变革途径