CAJ | 학술논문

面对日益激烈的同业竞争与日趋复杂的经营环境，城市商业银行必须持续提升风险管理能力。垂直独立原则是全面风险管理治理构架设计的一个重要原则，风险经理委派制是风险条线垂直独立管理的有效实现载体。建立和有效实施风险经理委派制，保证委派风险经理管理的垂直性和履职的相对独立性，制定并实行有效的管理办法和考核细则，明确风险经理工作职责，合理处理业务发展与风险管理的关系，培养高素质的风险经理队伍，将有效提升城市商业银行的风险管理水平。
면대일익격렬적동업경쟁여일추복잡적경영배경，성시상업은행필수지속제승풍험관리능력。수직독립원칙시전면풍험관리치리구가설계적일개중요원칙，풍험경리위파제시풍험조선수직독립관리적유효실현재체。건립화유효실시풍험경리위파제，보증위파풍험경리관리적수직성화리직적상대독립성，제정병실행유효적관리판법화고핵세칙，명학풍험경리공작직책，합리처리업무발전여풍험관리적관계，배양고소질적풍험경리대오，장유효제승성시상업은행적풍험관리수평。
In the face of increasingly fierce competition and increasingly complex business environment, City Commercial Bank must continue to improve the ability of risk management. Vertical and independent principle is a comprehensive risk management framework of governance an important design principle ; the risk manager appointment system is an effective carrier to realize the risk line vertical independent management. The establishment and effective implementation of the risk manager appointment sys- tem, ensure the vertical and duties assigned risk manager to manage the relative independence, formulating and implementing ef- fective management and appraisal rules, a clear risk manager job, deal with the relationship between the business development and risk management, training of high - quality risk managers will effectively improve the level of risk management city commercial banks.