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在新形势下,针对Basel Ⅱ协议的要求和激烈的市场竞争,国内商业银行无疑需要把大幅度提高风险防范能力、改善资产质量、增强核心竞争力、构建全面的风险管理体系作为主要的应对和战略目标。全面风险管理系统涉及的内容及步骤全面风险管理系统所涉及到的内容归结如图1所示。风险的管理是多方面的,要想一次性建设好企业全面风险管理系统是不现实的,银行需要完善风险管理方法,提高风险管理的能力,但是怎样做,做到什么样的层次?正
Under the new situation, in response to the requirements of the Basel Ⅱ agreement and fierce market competition, domestic commercial banks undoubtedly need to significantly improve their risk prevention capabilities, improve asset quality and enhance their core competitiveness, and establish a comprehensive risk management system as the primary response and Strategic objectives. The contents and steps involved in a comprehensive risk management system The contents of a comprehensive risk management system are summarized in Figure 1 below. Risk management is multifaceted, and it is unrealistic to build an enterprise comprehensive risk management system at one time. Banks need to improve their risk management methods and enhance their ability to manage risk. However, what are the levels of risk management?