商业银行的风险管理

摘要经济的迅速发展，带动了我国的金融产业的突飞猛进，商业银行作为金融业的支柱行业，成为促进我国金融业发展的重要力量。随着商业银行的业务的不断拓展，越来越多的商业银行不断的开发新的业务，在创新的基础上，努力开展各项业务，提升自身的市场竞争力。但是随着我国的商业银行业务规模不断的扩大，商业银行的信用风险问题日益严重，成为制约商业银行的发展的阻碍因素，随着银行的各项业务不断的开展，信用风险出现的问题逐渐的增加，给商业银行带来了重大的经济损失。本文就针对商业银行的信用风险进行研究，通过对商业银行信用风险的了解和认识，掌握商业银行的两种常见的信用风险形式，对产生信用风险的主要原因做出认真的分析，从而找到解决商业银行的信用风险的防范措施，更好的促进我国的商业银行的发展。关键词：商业银行，风险，风险管理AbstractThe rapid development of economy has driven the rapid development of China's financial industry. As a pillar industry of the financial industry, commercial banks have become an important force to promote the development of China's financial industry. With the continuous development of commercial banks, more and more commercial banks continue to develop new businesses. On the basis of innovation, they strive to develop various businesses and enhance their market competitiveness. But as China's commercial banking business scale has been expanding, the credit risk of commercial banks is becoming more and more serious, become the factors that restrict the development of commercial banks, along with the development of the banking business continuously, the credit risk problems gradually increase, brought great economic losses to the commercial bank. This paper studies the credit risk of commercial banks, the credit risk of commercial banks through knowledge and understanding, grasp the two common forms of credit risk of commercial bank, make a careful analysis of the main causes of credit risk, so as to find ...