国内银行业呼唤全面风险管理

随着金融全球化、自由化趋势的加强,尤其是我国国有商业银行面临股份制改革加快上市步伐的要求,国内银行业进行全面风险管理显得尤为重要.全面风险管理主要包括信用风险、市场风险和操作风险.针对这3方面,我国银行业应积极培养全面风险管理理念、提高管理技术和建立科学的风险管理体系.同时,人民银行也要加强金融监管,从而全面提高我国银行业的全面风险管理水平.

Domestic Banking Industry Calls for Enterprise-wide Risk Management

With the reinforcement of financial globalization and liberalization,it has become more and more important for the Chinese state commercial bank to develop enterprise-wide risk management(ERM).ERM includes credit risk,market risk and operation risk.So,our commercial banks should cultivate the managing enterprise-wide risk conception,enhance the technology of management,and found a rational system of ERM.Simultaneously,the People's Bank of China should strengthen financial supervision.(Only) in this way,will it improve the level of the ERM in our banking industry.