CAJ | 학술논문

我国商业银行理财业务在快速发展的同时潜藏着一定风险隐患，如何有效识别和分析理财业务风险是做好风险管控工作的基础。本文探索运用压力测试方法对商业银行理财业务风险进行量化分析，考察理财业务整体抗风险能力以及流动性管理状况，并就加强理财业务风险管理提出相关建议。
아국상업은행리재업무재쾌속발전적동시잠장착일정풍험은환，여하유효식별화분석리재업무풍험시주호풍험관공공작적기출。본문탐색운용압력측시방법대상업은행리재업무풍험진행양화분석，고찰리재업무정체항풍험능력이급류동성관리상황，병취가강리재업무풍험관리제출상관건의。
With the rapid development of the commercial banks’ financial management business in China,there exist a certain potential risks, so how to effectively identify and analyze the risks of financial management business is the basis to manage and control risks. The paper explores to analyze quantitatively the risks of the commercial banks’ financial management business by using stress test method, examines the overall ability of the financial management business to resist risks and liquidity management situation, and puts forward relevant proposals for strengthening the risk management of the financial management business.