商业银行经营风险管理水平提升的路径探讨  

Discussion on the path to improve the level of operational risk management of commercial banks

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作  者:岳凤为 Yue Fengwei(Shandong Dingtao Rural Commercial Bank Co.,Ltd.,Heze,Shandong,274100)

机构地区:[1]山东定陶农村商业银行股份有限公司,山东菏泽274100

出  处:《市场周刊》2024年第12期69-72,共4页Market Weekly

摘  要:获利的过程必然伴随着风险,商业银行的经营管理也须遵从这种自然规律。随着社会主义市场经济的不断发展,商业银行所面临的客户需求愈加多元、竞争也愈加激烈,如何向广大群众提供更完善的线上和线下服务,是商业银行目前加强风险管理要克服的主要难题。文章章从商业银行经营风险的相关概念和理论基础出发,分析企业提高自身风险管理水平的意义,并从业务趋势、绿色信贷、股权集中程度和银行内部控制体系等多个方面展开论述,分析商业银行加强经营风险管理的原因,并提出相应的优化策略,以期提供有益参考。The process of making profits is inevitably accompanied by risks.The operation and management of commercial banks must comply with this natural law.With the continuous development of the socialist market economy,commercial banks are facing more diversi-fied customer demands and fiercer competition.How to provide better online and offline services to the masses is the main problem for com-mercial banks to overcome in strengthening risk management.Starting from the relevant concepts and theoretical basis of commercial banks'operational risks,this paper analyzes the significance of enterprises'improvement of their own risk management level,discusses the busi-ness trend,green credit,equity concentration degree and internal control system of banks,analyzes the reasons for commercial banks to strengthen operational risk management and puts forward corresponding optimization strategies in order to provide useful reference.

关 键 词:商业银行 经营风险管理 策略 

分 类 号:F832.33[经济管理—金融学]

 

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