CAJ | 학술논문

信用风险、操作风险和市场风险的控制与实施对于银行业的安全运行至关重要。随着“金融脱媒”现象日益显现、世界范围内金融业竞争加剧，同时，伴随着网络等高科技的发展，银行业的风险量化管理、全面管理等前沿理论逐渐被提出并付之实践，这将对我国金融监管的思路与理念产生较大影响。传统的合规性监管向审慎性监管、试行风险量化式监管、风险预约选择／承诺制监管等前沿性理论的转变必将对我国银行业监管制度产生深远影响。根据新巴塞尔协议精神，建立科学、严密、高效的治理制度和银行内部控制制度势在必行，以风险意识为核心的企业文化建设待以推行。
신용풍험、조작풍험화시장풍험적공제여실시대우은행업적안전운행지관중요。수착“금융탈매”현상일익현현、세계범위내금융업경쟁가극，동시，반수착망락등고과기적발전，은행업적풍험양화관리、전면관리등전연이론축점피제출병부지실천，저장대아국금융감관적사로여이념산생교대영향。전통적합규성감관향심신성감관、시행풍험양화식감관、풍험예약선택／승낙제감관등전연성이론적전변필장대아국은행업감관제도산생심원영향。근거신파새이협의정신，건립과학、엄밀、고효적치리제도화은행내부공제제도세재필행，이풍험의식위핵심적기업문화건설대이추행。
Management on credit risk, operation risk and market risk are crucial to the sound operation of banking industry. In the context of disintermediation, the competition in financial markets is tougher. With the development of high technology, some advanced theories like credit quantification management, credit all-round management are put forward. The transition from compliance regulation to prudential regulation, risk regulation quantification and commitment regulation will certainly have far-reaching influence on china＇s regulation system. The establishment of good governance, a corporate culture with a risk awareness at its core and sound interior control mechanism in line with Basel Ⅱis imperative.