精细化的内涵与银行精细化的方向  

The Meaning of Refinement and the Direction of Bank Refinement

作　　者：黄志凌[1] 

机构地区：[1]中国建设银行,北京100032

出　　处：《金融论坛》2016年第9期3-13,共11页Finance Forum

摘　　要：做好风险资源的精确测算、分配,科学地实施风险选择与风险因素的安排,是风险管理精细化乃至银行管理精细化的主线。以风险资源深化应用为目的,宏观方面的风险战略决策、中微观的风险政策管理和计量工具体系建设,是银行推进精细化战略的重点领域。资产组合管理能力和水平,从根本上决定着一家银行对风险资源利用的深度与广度。The accurate estimate and allocation of risk resource and the scientific risk selection and arrangement of risk factors are the main tasks of the refinement of risk management or the refinement of bank management. The key points of the refinement strategy of banks are the risk strategic decisions at macro-level, and the risk policy management and construction of measurement tool system at middle ＆ micro levels, and the goal is to deepen the application of risk resource. The ability and level of portfolio management determine the depth and breadth of the risk resource utilization of banks fundamentally.

关 键 词：商业银行 精细化管理 风险管理 资产组合管理 

分 类 号：F832.33[经济管理—金融学]