西方银行业的风险管理经验及对我们的启示  

w features of development ofpersonal financial business forcommercial banks in developed western countries

作　　者：朱剑峰 卜素 

出　　处：《现代商业银行》2004年第9期44-46,共3页Modern Commercial Banking

摘　　要：风险管理是国际银行业在长期的风险控制过程中逐步发展而来的。自20世纪以来，国际银行业风险控制的重点不断转换，风险控制的范围也在不断扩大。上世纪80年代中期之前，西方商业银行的管理侧重于信用风险，80年代后期侧重于市场风险，90年代以后则逐渐转向对信用风险、市场风险、操作风险．<abstract>e comprehensive risk management has been commonly regarded by the international banking industry and the international supervision institutions. The ' new Basel Protocol 'is just permeated from beginning to end by the concept of risk management, in the new protocol, the minimum capital requirement, supervision examination and market constraint (information disclosure), these three pillars have taken the place of the original single requirement of capital abundance rate. For the minimum capital requirement, the original credit risk is weighted by the risk capital; addition the quantification of market risk and operation risk is reinforced. As for the method to measure and monitor the bank risk, the single method of the past has been added by standard method and internal ranking method, as well as many other modes for risk management.

关 键 词：银行业 西方国家 风险管理 市场化经营理念 董事会 公司治理结构 

分 类 号：F831[经济管理—金融学]