毕业论文外文翻译-商业银行的风险管理：一个分析的过程

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1、外文文献：CommercialBankRiskManagement:AnAnalysisoftheProcessAbstractThroughoutthepastyear,on-sitevisitstofinancialservicefirmswereconductedtoreviewandevaluatetheirfinancialriskmanagementsystems.ThecommercialbankinganalysiscoveredanumberofNorthAmericansuper-regionalsandquasi±money-centerinstitutionsasw

2、ellasseveralfirmsoutsidetheU.S.Theinformationobtainedcoveredboththephilosophyandpracticeoffinancialriskmanagement.Thisarticleoutlinestheresultsofthisinvestigation.Itreportsthestateofriskmanagementtechniquesintheindustry.Itreportsthestandardofpracticeandevaluateshowandwhyitisconductedintheparticula

3、rwaychosen.Inaddition,critiquesareofferedwhereappropriate.Wediscusstheproblemswhichtheindustryfindsmostdifficulttoaddress,shortcomingsofthecurrentmethodologyusedtoanalyzerisk,andtheelementsthataremissinginthecurrentproceduresofriskmanagement. 1.IntroductionThepastdecadehasseendramaticlossesintheba

4、nkingindustry.Firmsthathadbeenperformingwellsuddenlyannouncedlargelossesduetocreditexposuresthatturnedsour,interestratepositionstaken,orderivativeexposuresthatmayormaynothavebeenassumedtohedgebalancesheetrisk.Inresponsetothis,commercialbankshavealmostuniversallyembarkeduponanupgradingoftheirriskma

5、nagementandcontrolsystems.Coincidentaltothisactivity,andinpartbecauseofourrecognitionoftheindustry'svulnerabilitytofinancialrisk,theWhartonFinancialInstitutionsCenter,withthesupportoftheSloanFoundation,hasbeeninvolvedinananalysisoffinancialriskmanagementprocessesinthefinancialsector.Throughthepast

6、academicyear,on-sitevisitswereconductedtoreviewandevaluatetheriskmanagementsystemsandtheprocessofriskevaluationthatisinplace.Inthebankingsector,systemevaluationwasconductedcoveringmanyofNorthAmerica's15super-regionalsandquasi±money-centercommercialbanks,aswellasanumberofmajorinvestmentbankingfirms

7、.Theseresultswerethenpresentedtoamuchwiderarrayofbankingfirmsforreactionandverification.Thepurposeofthepresentarticleistooutlinethefindingsofthisinvestigation.Itreportsthestateofriskmanagementtechniquesintheindus