中國入世十年之際銀行業(yè)的現(xiàn)狀及發(fā)展對策(編輯修改稿)
2025-07-20 08:58 本頁面
【文章內(nèi)容簡介】 83。9 完善服務渠道建設，提高渠道銷售能力9 1010 10中國入世十年之際銀行業(yè)的風險管理與防范The risk management and prevention of banking industry on the occasion that China has been in the WTO for a decade摘 要：中國入世十年以來，不僅給自身經(jīng)濟發(fā)展帶來了巨大變化，而且提高了中國在全球經(jīng)濟體系中的地位。10年間，中國積極履行入世承諾，推進經(jīng)濟金融體制改革，以更加積極和開放的姿態(tài)迎接全球化的挑戰(zhàn)。在加入WTO之后，全球經(jīng)濟、金融一體化格局的條件下，中國銀行業(yè)面臨的不僅僅是向世界標準靠攏的機遇，同時也有與自身水平不相適應的挑戰(zhàn)。中國銀行業(yè)雖然在資產(chǎn)規(guī)模、人員素質(zhì)等方面取得了巨大進步，但也積累了不少風險。本文就商業(yè)銀行目前面臨的主要風險的表現(xiàn)形式和成因進行了具體分析和闡述，并提出了管理與防范風險的對策。關(guān)鍵詞：信用風險 市場風險 流動性風險 風險防范 風險管理 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 中國入世對銀行業(yè)的影響 中國入世給銀行業(yè)帶來的機遇加入WTO后，隨著國外金融機構(gòu)及其業(yè)務對我國的大舉進駐，將為我國銀行業(yè)提供先進的參照體系和競爭對象，起到示范、激勵和交流的作用。它將進一步促使和加強我國銀行業(yè)與國外銀行的聯(lián)系和合作，通過互補，共同繁榮我國的金融市場。同時，通過了解和學習國外金融機構(gòu)前沿理財?shù)男掠^念、新思路、新業(yè)務和新模式將刺激我國銀行業(yè)改革的深化，加速我國銀行業(yè)向商業(yè)化轉(zhuǎn)變，有利于商業(yè)銀行體系的完善，從而推動我國金融業(yè)務與國際市場的接
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