构筑我国商业银行风险预警体系摘要：风险预警就是对金融运行过程中可能发生的资产损失及金融体系遭破坏的可能性进行分析、预报，为金融安全运行提供对策和建议。从我国金融体制来看，我国金融体系正处于大调整时期，未来几年，一方面是金融机构资产质量差，资本充足率不到位、公司治理结构不建全等问题短期内无法解决；另一方面是我国已加入WTO，商业银行直接面对国外金融游资的冲击，因此，建立有效的风险预警体系，强化整体风险管理显得尤为迫切。关键词：商业银行风险预警对策1Abstract:theriskearlywarningoffinancialoperationmayoccurintheprocessoflossofassetsandfinancialsystemdamageanalyzedthepossibility,forthesaferunningoffinancialforecast,offercountermeasureandproposal.Fromourcountryfinancialsystem,thefinancialsystemofourcountryisbeinginthebigadjustmentperiod,thenextfewyears,oneisfinancialinstitutions,poorqualityofassets,capitaladequacyratioisnotinplace,thecompanymanagementstructureisbuiltofcongruentproblemcannotbesolvedinashorttime;ontheotherhandisourcountryhasjoinedWTO,thecommercialbankdirectlyinthefaceofforeignfinancialhotmoneyimpact,therefore,theestablishmentofaneffectiveriskearlywarningsystem,strengtheningtheoverallriskmanagementappearsespeciallyurgent.Keywords:commercialbankriskearlywarningandcountermeasure2目录1商业银行风险的种类及传统风险管理的局限性...........................................................................41.1商业银行风险的种类...................................................................................................................41.2商业银行传统风险管理的局限性..............................................................................................52建立风险预警体系的必要性及其基本构架...................................................................................62.1建立风险预警体系的必要性.....................................................................................................62.2风险预警体系的基本构架..........................................................................................................73建立我国商业银行风险预警体系的设想.......................................................................................83.1建立风险预警体系的原则..........................................................................................................83.2风险预警指标体系的设计方案.................................................................................................93.3风险预警的系统设计..................................................................................................................94构筑我国商业银行风险预警体系的对策...................................................................................104.1建立健全金融风险预警的组织体系.......................................................................................104.2建立风险预警的整体规划........................................................................................................114.3优化商业银行的金融运行环境...............................................................................................12[参考文献]...........................................................................................................................................131商业银行风险的种类及传统风险管理的局限性1.1商业银行风险的种类与商业银行业务经营相关的系列风险，归纳起来主要有四种基本类型。1.1.1流动性风险所谓流动性风险是指银行不能满足于客户提取存款或增加借款的需...
