学号： 1313115
结课论文
（ 2013 级）
题目： 商业银行风险管理分析
——以招商银行为例
课程名称： 现代商业银行实务
  院系： 金融与贸易学院 
班级：    金融131班     
姓名：        牟雨       
学号：      1313115     
完成日期： 2015年11月21日
摘要
商业银行是以营利为目的的金融服务企业，其业务范围以吸收存款和发放贷款为主，还包括信托、租赁、保管、汇兑、咨询、代客理财等多项业务。商业银行以其机构众多、业务量大、辐射面广、资金雄厚而成为当今世界金融体系中最重要的组成部分。银行业是经营风险的行业，它的风险不同于一般行业，它的80%—90%的资产来自客户手中而非自有资产，一旦贷款过程中任何一个环节出现问题就会导致风险发生。
近年来，我国各商业银行在内控机制和风险管理体系的建设上进展迅速，尤其是对信用风险、市场风险和操作风险的识别和评估技术的参考和引用，但与国际先进金融机构相比，依然存有很大差距。对于我国商业银行而言，为了有利于其健康发展，增强其内外竞争力，尽快健全完善风险管理体系已经成为当前最重要和迫切的任务之一。本文从招商银行对信用风
险、市场风险和操作风险管理的实际情况入手，分析其风险管理中的不足，从再造风险管理组织体系，提高全面风险管理技术，完善内控控制体系，推进流程再造几方面提出切实可行的对策。
关键词：信用风险；市场风险；操作风险；全面风险管理
Abstract
Commercial banks are profit seeting financial services companies,whose scope of business is to absorb deposits and loans based, including trust, leasing, storage, exchange, consulting financial management and many other services. Commercial bank with its many instiutions,the wide business volume and abundant capital,becomes the most are the important part in the world financial system.Banking is a business risk industry.Commercial banks,as a special operating money businesss,its risk is different from most people,it's 80% - 90% of assets from the customer's hands,rather than its own asscts, if any one pary of the lending process will lead to the risk or problems occurred .
In recent years, Chinese commercial banks have made rapid progress in construction of the internal control mechanism and also risk management especially identification and evaluation of credit risk,market risk and operational risk.However in comparison with the international advanced financial institutions,there is still a big gap.For China's commercial banks,in order to facilitate its healthy development,and enhance its internal and external competitiveness,  improving risk management system has become the most important and urgent tasks.This article researched on reality of credit risk,market risk and operational risk management in China Merchant Bank,analyzed the shortcoming of risk management and then presented how to operate the risk management system and inprove the technology of comprehensive risk management and internal control.
Key Words:Credit risk;market risk;operational risk;comprehensive risk;management
一、商业银行风险管理概述………………………………………………………
二、招商银行风险管理的现状……………………………………………………
（一）招行风险管理的总体策略…………………………………………………
（二）招行的信用风险管理…………………………………招行汽车贷款……………………
（三）招行的市场风险管理………………………………………………………
（四）招行的操作风险管理………………………………………………………
三、完善招商银行风险管理的对策………………………………………………
参考文献……………………………………………………………………………