1、廈門大學(xué)碩士學(xué)位論文試論我國商業(yè)銀行全面風(fēng)險管理體系的建立姓名：文國強申請學(xué)位級別：碩士專業(yè)：金融學(xué)指導(dǎo)教師：黃國聰20050901SummaryThemoderncommercialbankfacesvariousoperatingrisks.Itisnecessaryfthegovernsinthebanktoundersttheseriskstoinsurethattheyareappropriatelymeasuredmanag

2、ed.Riskmanagementabilityhasbecomeasignificantcomponentoftheintegratedcompetitivepowerofabank.SinceChina’sbankingsecthasnotbeenincommercializedprocesslongenoughmanyproblemsoccurred.Oneofthemistheratherhighratioofbanks’non

3、perfmingloan(NPL)whichbecomesaheavyburdenfbankswhentheyaredeveloping.Italsoreflectsprobleminriskmanagementthatistherelativelylowabilityofthewholeriskmanagement.Commercialbanksareinevitablyrequiredtoimprovetheirriskmanage

4、mentsoastokeepacontinuoushealthyfastdevelopment.Therefetheyarealsoobligedtoidentifyevaluatemanagetherisksefficiently.Asaresulttheriskmanagementpatternshouldbetransferredtotheenterprisewideriskmanagementfromcreditrisksman

5、agementiginally.Inrecentyearsitishighlyrequiredfbankingriskmanagementtoimproveitselfbydeepeningofinternationalizationofthefinancialmarketthetransfmationofinternationalbankingsects.ThepublicityoftheNewBaselCapitalAccd(Bas

6、elII)stsfthebankingriskmanagemententeringintotheneweraofenterprisewideriskmanagement.TheofficialimplementationofBaselIIgreatlyimpactedonthechangesofriskmanagementinChina’sbankingsectespeciallyincommercialbanks.BaselIIenc

7、ouragesbankstoputenterprisewideriskmanagementintopractice.Manyvaluableexplationshavealsobeentakenintofceastoimprovetheriskevaluationtechnologytoreestablishganizationalstructurefriskmanagement.Neverthelessthesystematismfe

8、nterprisewideriskmanagementisstillnotstrongenoughtoguidethespecificpracticeofriskmanagementfcommercialbanks.BesidestherearestillmanyholdbacksfChinesecommercialbankstofullyimplementBaselII.Toeliminatethoseholdbacksbanks’r

9、efminghastobetakeninphase.ThisarticletendstointegratetheCOSOReptofU.S.BaselIItogetherwithspecificpracticeofChina’sbankssoastobringfwardtheauth’sviewpointonhowtosetuptheenterprisewideriskmanagementsystemfChina’scommercial

10、banks.Referstothecurrentstatusofriskmanagementincommercialbanksthearticlepointsoutsixmainholdbacksthatcommercialbanksarefacingwithwhentheenterprisewideriskmanagementsystemissettingup.Thesolutionsarealsobroughtfwardfromei