中國(guó)入世十年之際銀行業(yè)的現(xiàn)狀及發(fā)展對(duì)策(編輯修改稿)
2025-07-20 08:58 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 83。9 完善服務(wù)渠道建設(shè)，提高渠道銷(xiāo)售能力9 1010 10中國(guó)入世十年之際銀行業(yè)的風(fēng)險(xiǎn)管理與防范The risk management and prevention of banking industry on the occasion that China has been in the WTO for a decade摘 要：中國(guó)入世十年以來(lái)，不僅給自身經(jīng)濟(jì)發(fā)展帶來(lái)了巨大變化，而且提高了中國(guó)在全球經(jīng)濟(jì)體系中的地位。10年間，中國(guó)積極履行入世承諾，推進(jìn)經(jīng)濟(jì)金融體制改革，以更加積極和開(kāi)放的姿態(tài)迎接全球化的挑戰(zhàn)。在加入WTO之后，全球經(jīng)濟(jì)、金融一體化格局的條件下，中國(guó)銀行業(yè)面臨的不僅僅是向世界標(biāo)準(zhǔn)靠攏的機(jī)遇，同時(shí)也有與自身水平不相適應(yīng)的挑戰(zhàn)。中國(guó)銀行業(yè)雖然在資產(chǎn)規(guī)模、人員素質(zhì)等方面取得了巨大進(jìn)步，但也積累了不少風(fēng)險(xiǎn)。本文就商業(yè)銀行目前面臨的主要風(fēng)險(xiǎn)的表現(xiàn)形式和成因進(jìn)行了具體分析和闡述，并提出了管理與防范風(fēng)險(xiǎn)的對(duì)策。關(guān)鍵詞：信用風(fēng)險(xiǎn) 市場(chǎng)風(fēng)險(xiǎn) 流動(dòng)性風(fēng)險(xiǎn) 風(fēng)險(xiǎn)防范 風(fēng)險(xiǎn)管理 金融監(jiān)管 Abstract: China has joined the WTO for ten years, not only the economy has been brought great changes, but also China has increased its position in the global economy. During the ten years, China actively fulfills its WTO mitments, to promote the economic and financial reform, taking a more positive and open attitude to meet the challenges of globalization. After joining the WTO, under the conditions of the pattern of the global economic and financial integration, China39。s banking sector is facing not only the opportunity to move closer to world standards, but also has challenges which are inpatible with its level. Although China39。s banking sector assets, the quality of personnel has made great progress, but also accumulated a lot of risk. This paper describes a detailed analysis and the major mercial banks are currently facing the manifestations and causes of risk and proposed management and risk prevention measures.Key words: Credit risk, market risk, liquidity risk, risk control, risk prevention, risk management, financial regulation1 中國(guó)入世對(duì)銀行業(yè)的影響 中國(guó)入世給銀行業(yè)帶來(lái)的機(jī)遇加入WTO后，隨著國(guó)外金融機(jī)構(gòu)及其業(yè)務(wù)對(duì)我國(guó)的大舉進(jìn)駐，將為我國(guó)銀行業(yè)提供先進(jìn)的參照體系和競(jìng)爭(zhēng)對(duì)象，起到示范、激勵(lì)和交流的作用。它將進(jìn)一步促使和加強(qiáng)我國(guó)銀行業(yè)與國(guó)外銀行的聯(lián)系和合作，通過(guò)互補(bǔ)，共同繁榮我國(guó)的金融市場(chǎng)。同時(shí)，通過(guò)了解和學(xué)習(xí)國(guó)外金融機(jī)構(gòu)前沿理財(cái)?shù)男掠^念、新思路、新業(yè)務(wù)和新模式將刺激我國(guó)銀行業(yè)改革的深化，加速我國(guó)銀行業(yè)向商業(yè)化轉(zhuǎn)變，有利于商業(yè)銀行體系的完善，從而推動(dòng)我國(guó)金融業(yè)務(wù)與國(guó)際市場(chǎng)的接
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