中文题目当前银行业的风险监管与改革摘要在我国，银行业一直以来都独占鳌头，甚至曾经成为金融活动的唯一组织者、操作者。近年来，虽然证券业、保险业渐渐崛起，但银行机构在金融业中的主导地位并未发生本质上的改变。同时，随着近几年金融市场逐渐放开，更多的国外资本、民间资本开始进入我国的金融市场，从发达国家的金融发展历史可以看出，当金融市场脱离了监管之后，虽然短期内可能获得较快速的增长，但其背后的隐患也在同步增加。结合银行业在我国金融市场中的重要地位分析可得出，银行业的稳定与否成为影响我国经济发展和金融安全的重要因素，因此银行的风险监管就显的意义重大。本文就银行内部的风险管理做出分析、找出问题，并研究解决方法，旨在赋予风险管理更贴近实际的参考措施。关键词：商业银行，风险管理，方法目录第一章银行业的风险监管背景····························································11.1风险监管的意义与发展历史···································································1第二章银行业的主要风险与相应监管措施··········································22.1合规风险·····························································································22.2利率风险·····························································································32.3流动性风险··························································································32.4市场风险·····························································································4第三章银行业风险监管的现状及存在的问题·······································53.1风险管理体系不完善··············································································53.2风险管理人才匮乏·················································································53.3风险管理方法落后·················································································5第四章新常态下银行业风险监管的改革··············································74.1优化银行从业人员的风险意识及专业度······················································74.2坚持业务发展及风险治理有机结合····························································74.3强化监管引领·······················································································7参考文献···········································································...
