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留学生作业代写:Financial innovation and risk of commercial banks

2017-08-30 来源: 51due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- Financial innovation and risk of commercial banks,供大家参考学习,这篇论文讨论了商业银行金融创新和风险。当前,金融市场环境愈加复杂,商业银行必须大力加强金融创新以提升自身的竞争力,但金融创新在促进自身发展的同时也带来了新的风险。如今,中国正处于经济金融全球化时代,为了满足用户越来越多元的金融需求,金融创新是现代金融领域发展的大势所趋,是金融业的发展源泉,同时也是提高金融服务水平和竞争力的关键点。随着金融创新的多元发展,各类金融风险也日益频发,甚至会引发全球范围内的金融危机。

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At present, the international and domestic financial market environment become more and more complex, commercial banks must strengthen financial innovation to enhance their own competitiveness. However, financial innovation not only develop their own self, but also brought new risks to them. Therefore, under the premise of effective risk control, to further promote the financial innovation of commercial banks has become a problem urgent need to be solve the current banking industry.

Since the 1960s, the western developed countries have started a series of financial innovation, the theory and practice development are abreast. After the collapse of Bretton Woods system in the 70, the main theme of banking innovation is to prevent all kinds of risks. The 80's financial freedom prevailed and formed a global trend, each country has loosened financial regulation, and created favorable external environment for Commercial Bank's financial innovation. Today, there is a welcome improvement in financial market institutions, product technology and financial services, and the traditional business of commercial banks has been replaced by a variety of financial innovation products and services. China's financial innovation began in the reform and opening-up and continuous progress, now is in an important period of innovation and development, and it for the whole industry is the pioneer of reform and innovation.

At present, China is in the era of economic and financial globalization, in order to meet the more and more users of financial needs, financial innovation is the trend of the development of modern finance, is the source of financial industry development, but also to improve the level of financial services and competitiveness of the key points. With the diversified development of financial innovation, various kinds of financial risks are increasingly frequent, and even cause the financial crisis in the world.

There is no denying that financial innovation has its advantages and disadvantages. On the one hand, financial innovation has played a positive role in promoting the development of finance and economy. The financial innovation of Commercial Bank greatly expands its business content and its profit channel, meanwhile, it increases the source of capital, greatly strengthens its management efficiency and profitability to the capital operation, and the ability to deal with the risk of the burst is enhanced. In this case, the integration of financial markets has actively promoted the economic development of the country or region. But from another point of view, financial innovation also has a negative impact on the financial and economic development, the central bank's macro-control ability is weakened, the financial system is not as stable as before, and the effectiveness of financial supervision is reduced but the difficulty increases. The global financial crisis caused by the 2007-year subprime crisis in the United States is a negative case, and the risks of financial innovation are again of concern to people, and the financial innovation and risk management of commercial banks are equally important.

In the era of economic and financial globalization, the domestic and foreign financial market environment has been changing fiercely, and financial innovation is becoming more and more important to the development of commercial banks. Over the years, through continuous exploration and innovation, commercial banks in personal finance, financial derivative transactions, electronic banking and other business areas have many forms of expansion and innovation, development is very considerable.

Although in recent years, our country's commercial banks have developed rapidly in the aspect of risk management, the gap between domestic and foreign development has gradually narrowed. However, if the risk management of commercial banks is considered comprehensively, there are still many problems. Generally speaking, these problems can be divided into the following parts: first, the external environment of the banking industry is not mature enough, in the construction and use of Social Credit system is not perfect, generally speaking, the Social Credit Foundation is still weak, at the same time, China's financial ecological environment is still poor, The market lacks the effective supervision and restriction to the bank management. Second, at present, the concept of risk management in China's commercial banks is still lagging behind, the concept of comprehensive risk management is still relatively scarce, not fully aware of the importance of various types of sudden risks, different risks need to deal with different management methods. Third, the current commercial banks in the risk management methods and technology, the overall lack of balanced development, and international use of mathematical statistics model, financial engineering and other methods of risk control is different, China is generally based on qualitative analysis, lack of a certain quantitative analyses. Four is our country bank risk management personnel's educational level and the theory quality overall is low, the overall management specialized talented person also is comparatively scarce.

The rapid development of commercial banks, but also brought a series of unknown new risks. Commercial banks must find suitable models to deal with the relationship between financial innovation and risk management, and can find a balance between financial innovation and risk management. The specific countermeasures are as follows:

With the development and progress of financial innovation, the type of banking business increases and enriches, the corresponding risk types also increase, credit risk, market risk, operational risk and so on need to arouse attention. Commercial banks should raise the awareness of risk management, take into account the various departments and categories of business units in the bank, and carry out scientific risk management.

It is of great significance to establish a risk assessment system to strengthen the risk control level of commercial banks. The establishment of scientific risk assessment system needs to make full use of information technology to improve the overall risk assessment level and risk early warning ability of the bank, at the same time enhance the risk assessment and control in the whole process of financial innovation of commercial banks, in order to reflect the new risks of commercial banks in financial innovation quickly and effectively. For the overall risk management work for a certain degree of initiative, and ultimately to improve the bank risk management of the backward situation, to prevent in the bud, and as far as possible to reduce the external risk caused by loss of profits.

When the banking industry is in danger, the risk management department and the related emergency construction are the key defense lines to resist this kind of risk. Therefore, the commercial banks should establish an internal control mechanism with clear responsibility, sound regulation and orderly operation, and follow the principle of validity, comprehensiveness, timeliness, prudence and independence, and minimize the risk as far as possible. When building a risk management system, commercial banks shall establish a wind control system composed of specialized risk management departments and senior management departments; in establishing the incentive mechanism of wind control management, banks should form a set of risk-based assessment criteria, which will directly link the profitability of banks to the risks they face, At the same time, strengthen the supervision and management of relevant managers to further enhance the ability of commercial banks to resist external risks.

As far as the current financial innovation products are concerned, the overall presentation of the investors and owners in the terminal products formed a number of separation layers, can not fully display its actual value, resulting in information occlusion, asymmetry. In order to further strengthen the risk prevention ability of bank financial innovation, it is necessary to quicken the establishment of more strict risk information disclosure system. In this way, if investors can obtain the required information in a timely and effective manner, it will not only further urge commercial banks to enhance the safety of their operations, but also allow them to avoid financial risks as far as possible. Therefore, under this request, commercial banks should give full play to the modern information in the processing and communication of advanced technology, through the formation of a complete set of information disclosure and feedback system, to further strengthen the level of decision-making within the bank. In addition, in order to be able to obtain more adequate information support, the relevant departments of the bank need to adjust the business policy and development strategy in a timely manner through various kinds of information, so as to further promote the initiative of the Bank in management and other activities.

Commercial banks should pay attention to the selection and training of talents in risk management, use modern quantification technology to carry out risk management and cultivate a sophisticated risk management team. In this way, commercial banks should actively establish a series of scientific and effective personnel assessment system, cultivate a modern bank management requirements of high-quality risk management personnel. In addition, the commercial banks should further promote the implementation of the risk management responsibility system, clear the risk management personnel in the bank's financial innovation business should bear the responsibility and obligations, and actively use the risk management innovation model, in order to meet the new risks of financial innovation introduction.

At present, the financial innovation of commercial banks has increased the exchange of capital between countries or regions, and has also spawned a variety of cross-border financial institutions that can evade supervision. In this complex environment, it is not necessary to prevent and control financial risks by only one country, but also to strengthen international cooperation and use collective power to minimize financial risks caused by financial innovation. In addition, the parties must establish a strategy to guarantee the effective implementation of national financial and economic policies, in order to ensure the smooth operation of domestic and foreign financial industry.

Financial innovation is a double-edged sword, the advantages and disadvantages, it in the development of innovation, promote the development of the financial industry, but also brought new risks. In the current competitive market environment, only through continuous reform and innovation, the commercial banks can adapt to the changing market environment as quickly as possible, and continue to survive and grow. While this innovation continues to advance, the bank should pay attention to enhance the ability of risk management, promote economic progress and maintain the stable development of financial industry.

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