毕业设计（论文）-浅析我国商业银行金融创新及其风险管理

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1、浅析我国商业银行金融创新及其风险管理摘要从20世纪70年代中期以来,我国商业银行在改革开放中步入创新时代。金融创新已经成为当代商业银行发展的新趋势之一，然而与之相伴的金融风险也日益突出，特别是金融创新在规避原有金融风险的同时又产生了新的金融风险，成为金融发展与创新的重要制约因素。本文在揭示金融创新与金融风险二者关系的同时，简要归纳了我国商业银行在金融创新中可能带来的新的风险，比如信用风险、设计风险、法律风险和操作风险等，同时指出了我国商业银行金融创新中风险管理存在的问题,并在此基础上有针对性地提出了商业银行在实施金融创新过程中防范和管理可能发生的各种风

2、险的基本策略，以促进商业银行在最小的风险下实施金融创新，在创新中求稳健发展。[关键词]商业银行金融创新金融风险风险管理ABSTRACT70fromthemid-20thcentury,China'scommercialbanksinthereformandopeningupintoanewera.Financialinnovationhasbecomeacontemporarycommercialbanks,oneofanewtrend,butthefinancialrisksassociatedwithincreasinglyprominent,es

3、peciallyinfinancialinnovationincircumventionoftheoriginalandalsothefinancialrisksarisingfromthenewfinancialrisks,asafinancialdevelopmentandtheimportance　ofinnovationconstraints.Thisarticlerevealsthattheriskoffinancialinnovationandfinancialrelationsbetweenthetwoopposingbrieflysum

4、medupthecommercialbanksinfinancialinnovationthatmaybringnewrisks,suchascreditrisk,designrisk,legalriskandoperationalrisk,andinthisonthebasisputforwardbycommercialbanksintheimplementationoftheprocessoffinancialinnovationtopreventandcontrolthevariousrisksthatmayoccurinthebasicstra

5、tegiestopromotethecommercialbankstominimizeriskintheimplementationoffinancialinnovation,intermsofinnovationinordertosteadydevelopment.[Keywords]commercialbanksfinancialrisksfinancialinnovationinnovationcontrol目录一、前言································································

6、·······························(1)二、商业银行金融创新的动力源泉·································································(2)（一）只有金融创新，才能顺应经济发展的要求··········································(2)（二）只有金融创新，才能满足市场和客户的需求·······································(3)（三）只有金融创新，才能应对外资银行激烈的市场竞争·······

7、························(3)三、商业银行金融创新与风险管理的关系························································(4)（一）金融创新增强了商业银行管理和规避金融风险的能力····························(4)（二）金融风险促进了商业银行金融创新的发展··········································(5)（三）金融创新在规避金融风险的同时也给商业银行带来新的风险···················`(5)

8、1、金融创新加大了商业银行的经营风险·····························