吉林金融研究
吉林金融研究
길림금융연구
JILIN FINANCE RESEARCH
2012年
4期
33-35
,共3页
商业银行%风险管理%核心竞争力
商業銀行%風險管理%覈心競爭力
상업은행%풍험관리%핵심경쟁력
Commercial Banks%Risk Management%Core Competitiveness.
目前我国已经形成了构架较为完整的商业银行体系,银行业进入蓬勃发展时期。但是由于我国银行商业化进程起步较晚,机构间规模相差较大,竞争不充分,导致金融服务和金融产品趋同,银行业和各银行机构竞争力不足,缺乏个性的核心竞争力。本文将从商业银行的生存、发展和实现内在价值最大化三个方面来阐述有效的风险管理是商业银行长久的核心竞争力。
目前我國已經形成瞭構架較為完整的商業銀行體繫,銀行業進入蓬勃髮展時期。但是由于我國銀行商業化進程起步較晚,機構間規模相差較大,競爭不充分,導緻金融服務和金融產品趨同,銀行業和各銀行機構競爭力不足,缺乏箇性的覈心競爭力。本文將從商業銀行的生存、髮展和實現內在價值最大化三箇方麵來闡述有效的風險管理是商業銀行長久的覈心競爭力。
목전아국이경형성료구가교위완정적상업은행체계,은행업진입봉발발전시기。단시유우아국은행상업화진정기보교만,궤구간규모상차교대,경쟁불충분,도치금융복무화금융산품추동,은행업화각은행궤구경쟁력불족,결핍개성적핵심경쟁력。본문장종상업은행적생존、발전화실현내재개치최대화삼개방면래천술유효적풍험관리시상업은행장구적핵심경쟁력。
At present,China has formed a more complete framework for the commercial banking system and the banking industry has entered a period of vigorous development.However,due to late start of the commercialization,quite different inter-agency scale,inadequate competition,financial services and products are almost the same,also the whole banking sector and banking institutions are lack of core competitiveness.This article elaborates that effective risk management is long-term core competitiveness for commercial banks from three aspects of surviving,developing and achieving to maximize the intrinsic value.
