云南电大学报
雲南電大學報
운남전대학보
JOURNAL OF YUNNAN RTV UNIVERSITY
2012年
2期
57-59,72
,共4页
商业银行%流动性风险%内部控制
商業銀行%流動性風險%內部控製
상업은행%류동성풍험%내부공제
commercial banks%liquidity risk%internal control
近年来由于国际经济金融形式的动荡加剧,金融风险层出不穷,银行面临的风险不断呈现出系统性、连锁性和突发性的特征与趋势。而流动性风险是商业银行经营中随时可能出现的风险,也是各种风险损失发生后的最终表现。商业银行流动性风险的发生会严重影响甚至威胁到商业银行的经营、生存和发展,乃至一国的经济运行和政治动荡。因此,只有将其内部控制活动中流动性风险的预测与防范有效的结合起来,商业银行才能在风险和动荡中求得生存和发展。
近年來由于國際經濟金融形式的動盪加劇,金融風險層齣不窮,銀行麵臨的風險不斷呈現齣繫統性、連鎖性和突髮性的特徵與趨勢。而流動性風險是商業銀行經營中隨時可能齣現的風險,也是各種風險損失髮生後的最終錶現。商業銀行流動性風險的髮生會嚴重影響甚至威脅到商業銀行的經營、生存和髮展,迺至一國的經濟運行和政治動盪。因此,隻有將其內部控製活動中流動性風險的預測與防範有效的結閤起來,商業銀行纔能在風險和動盪中求得生存和髮展。
근년래유우국제경제금융형식적동탕가극,금융풍험층출불궁,은행면림적풍험불단정현출계통성、련쇄성화돌발성적특정여추세。이류동성풍험시상업은행경영중수시가능출현적풍험,야시각충풍험손실발생후적최종표현。상업은행류동성풍험적발생회엄중영향심지위협도상업은행적경영、생존화발전,내지일국적경제운행화정치동탕。인차,지유장기내부공제활동중류동성풍험적예측여방범유효적결합기래,상업은행재능재풍험화동탕중구득생존화발전。
Due to the increasingly fierce volatility of international economy and finance in recent years," financial risks are emerging. The risk of banks is constantly characterized by systernicness, chains and burstiness. Liquidity risk is a risk of commercial banks that may occur at any time and also the ultimate expression after various risks. The liquidity risk of the commercial banks will seriously affect or even threaten the business, survival and development of the commercial banks, and even the economy operation and political unrest of a nation. Therefore, only the prediction and prevention of the liquidity risk in its internal control activities are effectively combined, can the commercial banks survive and develop in the risks and the unrest.