商業(yè)銀行風(fēng)險管理—畢業(yè)論文外文及翻譯-全文預(yù)覽
【正文】 cle is to outline the findings of this investigation. It reports the state of risk management techniques in the industry―questions asked, questions answered, and questions left unaddressed by respondents. This report can not recite a litany of the approaches used within the industry, nor can it offer an evaluation of each and every approach. Rather, it reports the standard of practice and evaluates how and why it is conducted in the particular way chosen. But, even the best practice employed within the industry is not good enough in some areas. Accordingly, critiques also will be offered where appropriate. The article concludes with a list of questions that are currently unanswered, or answered imprecisely in the current practice employed by this group of relatively sophisticated banks. Here, we discuss the problems which the industry finds most difficult to address, shortings of the current methodology used to analyze risk, and the elements that are missing in the current procedures of risk management and risk control. 2. What type of risk is being considered? Commercial banks are in the risk business. In the process of providing financial services, they assume various kinds of financial risks. Over the last decade our understanding of the place of mercial banks within the financial sector has improved substantially. Over this time, much has been written on the role of mercial banks in the financial sector, both in the academic literature and in the financial press. These arguments will be neither reviewed nor enumerated here. Suffice it to say that market participants seek the services of these financial institutions because of their ability to provide market knowledge, transaction efficiency and funding capability. In performing these roles, they generally act as a principal in the transaction. As such, they use their own balance sheet to facilitate the transaction and to absorb the risks associated with it. To be sure, there are activities performed by banking firms which do not have direct balance sheet implications. These services include agency and advisory activities such as 1 trust and investment management。 外文文獻(xiàn)： Commercial Bank Risk Management: An Analysis of the Process Abstract Throughout the past year, onsite visits to financial service firms were conducted to review and evaluate their financial risk management systems. The mercial banking analysis covered a number of North American superregionals and quasi177。s superregionals and quasi177。 or facilitating contracts。 in others, it will shift the risk to other parties through a bination of pricing and product design. The banking industry recognizes that an institution need not engage in business in amanner that unnecessarily imposes risk upon it。 3. risks that must be actively managed at the firm level. In the first of these cases, the practice of risk avoidance involves actions to reduce the chances of idiosyncratic losses from standard banking activity by eliminating risks that are super ˉ uous to the institution39。s goals and objectives. To see how each of these four parts of basic riskmanagement techniques achieves these ends, we elaborate on each part of the process below. In section 4 we illustrate how these techniques are applied to manage each of the specific risks facing the banking munity. and reports. The first of these riskmanagement techniques involves two different conceptual activities, ., standard setting and financial reporting. They are listed together because they are the sine
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