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Causes and Precautions of Financial Risks of Commercial Banks in China

机译:中国商业银行金融风险的原因及预防措施

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摘要

Commercial banks are the pillar industry in financial industry. As an important part of economic development, it plays an intermediary role in improving social capital and has a very important social status. However, with the full integration of China's commercial banks and world's financial industry, the Chinese commercial banks are facing development opportunities as well as a certain degree of risk pressures. In this paper, the financial risk of commercial banks is analyzed from the original credit risk and market risk based on the provisions of the new Basel agreement. The importance of strengthening financial risk prevention is demonstrated from the characteristics and hazards of these three kinds of risks. The paper analyzes the causes of financial risks of commercial banks from the perspectives of macro-environment, internal control and capital structure, and proposes some suggestions for commercial banks to adapt to macro environment and to attach importance to talents and improve capital structure.
机译:商业银行是支柱产业金融业。作为经济发展的一个重要组成部分,对提高社会资本的中介作用,具有非常重要的社会地位。然而,全面整合中国的商业银行和全球金融业,中国商业银行面临的发展机遇,以及一定程度的风险压力。在本文中,商业银行的金融风险从基于新巴塞尔协议的规定,原来的信用风险和市场风险进行分析。加强金融风险防范的重要性是由这三类风险的特征和危害证明。文章分析,从宏观环境,内部控制和资本结构的角度来看商业银行的金融风险产生的原因,并提出了一些建议,商业银行,以适应宏观环境和重视人才,改善资本结构。

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