浅论商业银行经营风险

一、商业银行经营风险概述及特征····································3

1．1商业银行的经营风险的概念··································3

1．2商业银行的经营风险的特征··································3

二、商业银行面临的基本风险·········································4

2．1国商业银行不良资产现状·····································4

2．2商业银行的经营风险··········································4

2．2．1商业银行经营风险的外部风险···························4

2．2．2商业银行经营风险的内部风险···························5

三 商业银行经营风险的形成原因·····································7

   3．1商业银行经营风险的成因····································7

   3．2商业银行经营风险新的表现特征····························7

四 商业银行经营风险防范·············································8

4．1健全风险管理体系············································8

4．2提高风险管理技术············································8

4．3健全内部控制制度············································9

4．4树立风险管理文化············································9

五 结论··································································10

六 参考文献 ···························································11

内 容 摘 要

商业银行经营的资产不是实物产品，而是具有高度流动性和易失性的货币、票据，甚至是没有固定形态的电子货币。商业银行的利润主要来自资金的存贷息差，或者说商业银行主要通过将其对资金的控制权或使用权“出租”给客户而获取收益，其资产的增值过程是在客户的控制之下完成的，当然通过金融工具的提供收取中间费用也是商业银行获取利润的重要手段，但同样也担当着巨大的责任风险。银行经营风险以及由此导致的金融风险会对整个社会和经济造成严重的负面影响，尤其在商业化程度不断提高的当今社会。对社会的损害可能反映为政治不稳定、收入分配恶化以及贫困加剧。所以，防范和化解银行经营风险，确保国家经济安全，是实现国家金融安全、保持国民经济持续、快速、健康发展的重要前提，是经济社会生活中必须十分重视的大事。只有充分掌握风险在银行经营中的特点，将风险经营、管理与防范结合起来，在硬币的两面之间寻找有效的平衡，才能收到利润增长与风险防范的最佳效果，才可以在风险与利润的动态错位中谋求长远的发展。