经济复苏期的商业银行风险管理策略研究  

The Study of Commercial Bank's Risk Management Strategy in Economic Recovery Stage

作　　者：倪海青[1] 

机构地区：[1]中国建设银行湖北省分行风险管理部,湖北武汉430015

出　　处：《当代经济管理》2012年第2期85-89,共5页Contemporary Economic Management

摘　　要：从经济周期的角度来看,2010年是我国经济新一个周期的起点,这决定了近两年我国经济将处于经济复苏期。在经济复苏期,我国商业银行面临着宏观经济不确定、货币政策收紧、经济增长方式转型以及前期累积的风险逐步暴露等多重挑战,如何有效地管理这一特殊时期的风险成为银行业共同的课题。文章从我国经济复苏期的特点出发,分析了当前中国商业银行面临的风险特征,提出了加强风险管理的对策建议。From the perspective of the economic cycle,2010 is the starting point for a new economic cycle,which determines that China＇s economy will be in economic recovery stage in the last two years.In the economic recovery stage,China＇s commercial banks face the multiple challenges： macro-economic uncertainty,tightening of monetary policy,transformation of economic growth mode and the progressive exposure of cumulative risk of the early period.How to effectively manage the risks of this special time becomes the subject of banking.This paper,based on the characteristics of China＇s economic recovery,analyzes China＇s current risk characteristics of commercial banks and gives some suggestions of how to strengthen risk management.

关 键 词：复苏期 商业银行 风险管理 

分 类 号：F832.33[经济管理—金融学]