构建国有商业银行全面风险管理体系的对策建议

金融全球化的发展加大了世界宏观经济和金融市场的波动，进一步增加了银行经营的不稳定因素。随着中国加入世贸组织，金融全球化对我国银行业的影响也会日渐明显。银行只有加强自身核心竞争力的建设．才能在竞争中立于不败之地，而风险管理能力是商业银行核心竞争力的重要组成部分，银行的发展应该包括业务拓展和风险管理水平两个领域的提高，建立全面风险管理体系是治理不良资产、防范金融风险的基础和前提，目前，我国国有商业银行的发展过程中还存在很多问题，阻碍着全面风险管理的实施，针对这些问题进行逐一分析，并给出相应的对策。

Strategy suggestions to construct comprehensive risk management systems for state-owned banks in China

After the entrance to WTO, Chinese banking industry has been influenced more and more by the financial globalization, which enlarges the fluctuation of world macro-economy and financial market. Therefore, Chinese banks must strengthen the ability of core competition in order to smooth the uncertainty. Here we mainly focus on the analyses of general risk management that is one of important parts of the core competition for commercial banks. Since banking management includes not only the improvement of the business expansion but the ability of risk management also, establishing general risk management system is the basis to control non-performing assets. Currently, still there are many problems faced by state-owned commercial banks in managing risks, thus it is worthwhile to make the researches to solve the problems and provide some useful methods accordingly.