商业银行风险管理

中文字数:2866,中文页数:4  英文字数: 1286页数:4

 商业银行风险管理
 随着现代商业银行的不断发展，银行所面临的风险对象和性质早已超越了最初的涵义。从对象上看，已经由单一的借贷产生的信用风险演变为包括信用风险、市场风险、操作风险等在内的多类型风险；从性质上看，从最初的局部风险演变为全球风险。尽管风险对象和性质发生了很大的变化，但总体上都可以纳入系统性风险和非系统性风险的范畴。当然，无论如何划分风险的种类，有一点是肯定的，即风险存在于银行业务的每一个环节，商业银行提供金融服务的过程也就是承担和控制风险的过程。

 Risk Management Of Commercial Banks
 Frederic S. Miskin． 1995: The Economics of Money, Banking and Financial Markets, Forth Edtion
 Although the modern commercial bank's unceasing development, the bank is facing the risk object and the nature had already surmounted the initial connotation. Looked from the object that, already by sole the credit risk which lent money produces evolves for includes the credit risk, the market risk, the operation risk and so on the multi-type risk; Looked from the nature that, evolves from the initial partial risk for the global risk. Although the risk object and the nature has had the very big change, but all may integrate the systematic risk as a whole and the non-systematic risk category. Certainly, divides risk in any event the type, some one point is affirmative, namely the risk exists in bank service each link, the commercial bank provides the financial service the process also is undertakes with the control risk process.   

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