风险管理体系的完善与商业银行的可持续发展  

On Improving Risk Management System of Commercial Banks

作　　者：李敏新[1] 

机构地区：[1]中国建设银行,北京100032

出　　处：《中国浦东干部学院学报》2009年第1期66-70,共5页Journal of China Executive Leadership Academy Pudong

摘　　要：商业银行是经营货币的特殊企业,同时又是高负债、高风险的经营性企业。为实现可持续发展目标,在当前所处的激烈竞争环境和复杂多变的国际国内经济形势下,商业银行应建立良好的"风险控制文化"和全方位的风险管理体系,并以风险源头控制为主要着力点,惩戒与激励并重,在科学的考核导向下处理好近期利益与长远利益的关系。这是商业银行构建完善的风险管理体系,有效地防范系统性金融风险的现实选择。As special institutions for currency operation, the commercial banks are enterprises with high liabilities and risks. Due to the current competitive environment, dynamic international and domestic economic situation, commercial banks needs to establish a comprehensive risk management system and to build up a sound risk-control culture in order to realize sustainable development. Concerning the control of risk sources, the commercial banks also need to equally emphasize measures of punishment and incentives for appropriate management of the short-term and long-term interests under the guidance of scientific assessment. The above-mentioned methods are the practical choices for commercials banks to establish comprehensive and sound risk management mechanism for an effective prevention of systematic financial risks.

关 键 词：商业银行 系统性风险 可持续发展 风险管理体系 

分 类 号：F832.1[经济管理—金融学]