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-centerinstitutions

2、aswellasseveralfirmsoutsidetheU.S.Theinformationobtainedcoveredboththephilosophyandpracticeoffinancialriskmanagement.Thisarticleoutlinestheresultsofthisinvestigation.Itreportsthestateofriskmanagementtechniquesintheindustry.Itreportsthestandardofpracticeandevaluateshowandwhyitisconductedinthepar

3、ticularwaychosen.Inaddition,critiquesareofferedwhereappropriate.Wediscusstheproblemswhichtheindustryfindsmostdifficulttoaddress,shortcomingsofthecurrentmethodologyusedtoanalyzerisk,andtheelementsthataremissinginthecurrentproceduresofriskmanagement.1.IntroductionThepastdecadehasseendramaticlosse

4、sinthebankingindustry.Firmsthathadbeenperformingwellsuddenlyannouncedlargelossesduetocreditexposuresthatturnedsour,interestratepositionstaken,orderivativeexposuresthatmayormaynothavebeenassumedtohedgebalancesheetrisk・Inresponsetothis,commercialbankshavealmostuniversallyembarkeduponanupgradingof

5、theirriskmanagementandcontrolsystems.Coincidentaltothisactivity,andinpartbecauseofourrecognitionoftheindustry'svulnerabilitytofinancialrisk,theWhartonFinancialInstitutionsCenter,withthesupportoftheSloanFoundation,hasbeeninvolvedinananalysisoffinancialriskmanagementprocessesinthefinancialsecto匚T

6、hroughthepastacademicyear,on-sitevisitswereconductedtoreviewandevaluatetheriskmanagementsystemsandtheprocessofriskevaluationthatisinplace.Inthebankingsector,systemevaluationwasconductedcoveringmanyofNorthAmerica'ssuper-regionalsandquasi±money-centercommercialbanks,aswellasanumberofmajorinvestme

7、ntbankingfirms.Theseresultswerethenpresentedtoamuchwiderarrayofbankingfirmsforreactionandverification.Thepuiposeofthepresentarticleistooutlinethefindingsofthisinvestigation.Itreportsthestateofriskmanagementtechniquesintheindustry—