更新时间：09-21 （陈老师）提供原创文章
摘要:现代商业银行是经营风险的特殊企业。银行的盈利必须通过承担风险才能获得，存贷利差的获得必须要承担贷款资金收不回和存款资金到期必须支付这样一种风险，它就如一部“风险机器”，承担风险，转化风险，并且还将风险植入金融产品和服务中再加工风险。风险对于银行来说是一把“双刃剑”。它即是银行获利的手段，又是蚀利的原因。管理不当，风险就会侵蚀银行利润，股东投资就得不到预期回报。严重时风险还会进一步侵蚀银行的资本，极端情况下，银行将会破产倒闭，股东血本无归。
为此，风险控制是商业银行的基本职能，是商业银行生存与发展的灵魂。风险控制的好坏，关系着银行的生死存亡，就风险控制这一问题，对其进行研究，提出合理化建议。
关键词：商业银行；风险控制；建议
Abstract:Modern Commercial bank is the special enterprise of operating risk. Bank profits must through the risk to obtain, inventory spread get must bear loan money to close not to answer and deposit funds must pay expire such a risk. It is like the risk of machine, take risks, risks transformation, and will also risk implanted financial products and services processing risk. Risk for a bank to say is a double-edged sword. It is a means of bank profits, and the reason of corrosion. If manager improper, risk will be eroded bank profits, the shareholder investment won’t get the expected return. Seriously, risk will further erosion of the bank’s capital, extreme cases, and banks will collapse, shareholders lose everything.
Therefore, risk control is the basic functions of the commercial Banks, is the commercial Bank’s soul of survival and the development. The stand or fall of risk control, the relationship between the survival of the bank, the risk control the problem, studied and analyzed, and put forward rational suggestions.
Key Words：Commercial bank；risk control；suggestions
在现代经济和社会生活中，风险无处不在，对处于我国目前高速发展的金融业而言更是如此。对于银行业，新巴塞尔协议把其存在的风险概括为信用风险、市场风险、操作风险、信贷风险等八大类，但在这些分类当中，最为重要的为信贷风险，因为作为商业银行，两个盈利项目就是储蓄和信贷。相比之下，信贷所面临的风险远远大于储蓄，而信贷风险控制好了，将会给银行业带了了不小的隐藏收益，降低了银行的风险率。为此，就商业银行的信贷风险做一个分析研究。