本文關(guān)鍵詞：我國商業(yè)銀行經(jīng)濟(jì)資本管理的經(jīng)驗(yàn)比較與啟示，由筆耕文化傳播整理發(fā)布。

論我國商業(yè)銀行經(jīng)濟(jì)資本管理的經(jīng)驗(yàn)比較與啟示 　　論文關(guān)鍵詞：商業(yè)銀行；經(jīng)濟(jì)資本；信用風(fēng)險(xiǎn)；市場風(fēng)險(xiǎn)；操作風(fēng)險(xiǎn) 　　論文摘要：本文闡述我國商業(yè)銀行經(jīng)濟(jì)資本管理的發(fā)展歷程，對(duì)我國商業(yè)銀行進(jìn)行經(jīng)濟(jì)資本管理的做法進(jìn)行比較分析，并在此基礎(chǔ)上提出我國商業(yè)銀行推進(jìn)經(jīng)濟(jì)資本管理的思路：強(qiáng)化經(jīng)濟(jì)資本管理的理念、構(gòu)建高素質(zhì)的運(yùn)營管理團(tuán)隊(duì)、建立經(jīng)濟(jì)資本考核體系、進(jìn)行銀行組織架構(gòu)和業(yè)務(wù)流程再造、積累數(shù)據(jù)加快評(píng)級(jí)模型開發(fā)。 　　Abstract: This paper describes the development process of capital management in Chinese commercial banks at first, and then analyzes the different practice of capital management in these commercial banks. On this base, the paper gives the guidance to improve capital management. The concrete contents are including the improvement of capital management, the establishment of an operation management team of high quality and an capital evaluation system, the construction of the internal organizational framework and business process reconstruction BPR , and accumulation data so to speed up the development of rating models. 　　Key Words: Commercial Banks； Economic Capital； Credit Risk； Market Risk； Operational Risk 　　一、引言 　　從現(xiàn)代銀行的經(jīng)營理念來看，，銀行表面上是經(jīng)營貨幣，但實(shí)質(zhì)上是經(jīng)營風(fēng)險(xiǎn)，銀行是經(jīng)營風(fēng)險(xiǎn)的特殊企業(yè)。正是基于對(duì)銀行資本與風(fēng)險(xiǎn)之間關(guān)系的理解，在商業(yè)銀行的經(jīng)營管理領(lǐng)域出現(xiàn)了經(jīng)濟(jì)資本的概念，并逐漸發(fā)展成為一種新型的銀行經(jīng)營管理體系。然而經(jīng)濟(jì)資本管理是一項(xiàng)復(fù)雜的系統(tǒng)工程，從目前看來，國外先進(jìn)商業(yè)銀行在此方面已取得了許多成功經(jīng)驗(yàn)，而國內(nèi)商業(yè)銀行尚處于經(jīng)濟(jì)資本管理的初級(jí)探索階段，我國四大國有商業(yè)銀行以及部分股份制銀行所采用的經(jīng)濟(jì)資本管理

  本文關(guān)鍵詞：我國商業(yè)銀行經(jīng)濟(jì)資本管理的經(jīng)驗(yàn)比較與啟示，由筆耕文化傳播整理發(fā)布。