商业银行风险管理框架的国际比较研究

提出商业银行风险管理的整体框架,并就风险管理的政策与流程、技术与系统、组织与文化进行叙述。分析风险管理组织架构的三个层次,对国际上对银行风险管理组织架构进行比较研究,提出在组织架构方面应遵循的基本原则。

Study of Risk Management Framework in Chinese Banks Comparing with International Banks

This paper proposes the framework of commercial banks' risk management.It studies the composition of risk management,with analysis of risk management policy and process,technology and system,organization and culture are conducted separately.Based on comparative study on organizational framework of international active banks,the paper proposes a principle for framework organization.Further,ten countermeasures are suggested for the risk management construction of Chinese commercial banks;defining strategy,establishing framework,improving policy,reconstructing process,innovating on approaches,completing monitor,constructing system,cultivating people,distributing culture and improving quality.