后危机时代我国商业银行财务风险问题探讨

发布时间：2018-03-18 22:23

本文选题：商业银行　切入点：财务风险　出处：《企业经济》2014年06期 　论文类型：期刊论文

【摘要】：进入21世纪,我国经济金融形势发生巨大变化,突出表现在商业体系原有格局被打破,银行业监管新格局形成和宏观经济非均衡现象加剧。为应对日趋严峻的经营环境和经营业务复杂化、创新产品多样化的新形势,各银行正逐步提升其经营管理的内容尤其是财物管理内容,转变风险管理理念,提高其风险管理水平,从而不断提高其竞争力。本文就新形势下中国商业银行的财务风险问题进行探讨,从我国商业银行财务风险的特点入手,分析商业银行财务风险现状并揭示其所面临的问题及原因,结合本国实际,提出相应对策以提高商业银行财务风险防控水平,进而提高其竞争力。
[Abstract]:Since 21th century, great changes have taken place in the economic and financial situation of our country, which is highlighted by the fact that the original pattern of the commercial system has been broken. The formation of a new pattern of banking supervision and the aggravation of the phenomenon of macroeconomic disequilibrium. In order to cope with the increasingly severe operating environment and the complexity of business operations, and to innovate the new situation of diversification of products, The banks are gradually upgrading the contents of their management, especially the content of property management, changing the concept of risk management, and improving their level of risk management. In order to improve its competitiveness, this paper discusses the financial risk of Chinese commercial banks under the new situation, starting with the characteristics of the financial risks of Chinese commercial banks. This paper analyzes the present situation of the financial risk of commercial banks, reveals the problems and reasons it faces, and puts forward corresponding countermeasures to improve the level of prevention and control of financial risks of commercial banks, and then to improve their competitiveness.
【作者单位】：宜春学院经济与管理学院;
【分类号】：F830.42

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