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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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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:商业银行是金融业的支柱产业。作为经济发展的重要组成部分,它在改善社会资本方面发挥了中介作用,具有非常重要的社会地位。然而,随着中国商业银行和世界金融业的全面融合,中国商业银行面临发展机会以及一定程度的风险压力。在本文中,根据新的巴塞尔协议的规定,分析了商业银行的财务风险与原始信用风险和市场风险。加强财务风险预防的重要性得到了这三种风险的特点和危害。本文分析了商业银行的金融风险的原因,从宏观环境,内部控制和资本结构的角度,提出了对商业银行的一些建议,以适应宏观环境,并重视人才和改善资本结构。

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