可见，对信用风险管理是商业银行风险管理的首要目标。
This shows that credit risk management of commercial banks are the primary objective of risk management.
资本和风险资产的匹配成为商业银行风险管理的核心问题。
The matching between capital and risky assets becomes the core problem of risk management of commercial Banks.
最后本文借鉴西方商业银行风险管理的经验，提出改善建议。
Finally, learn from the West Bank's experience in risk management and make recommendations for improvement.
因此，利率风险的管理控制将成为商业银行风险管理的主要内容。
Therefore, the interest rate risk management and control will become the main content of commercial banks' risk management.
在此背景下，对中小商业银行风险管理进行研究具有重要的现实意义。
Under such background, it is meaningful to have a close study on risk management of SMCBs.
在商业银行风险管理、金融工具的理念和运用上完善化，为研究实质问题作好准备。
Manage in the commercial bank risk, the principle of the financial tool and usage up perfect turn, for study the substance problem to make good preparation.
商业银行风险管理水平的高低直接关系到商业银行自身的成败，也关系到经济的安危。
Commercial bank risk management is directly related to the level of commercial success or failure of the Banks themselves, but also related to the economy's safety.
本文首先从商业银行风险管理和会计理论角度研究分析了建立风险拨备制度的理论基础。
The paper begins with an analysis of the theoretical base for establishing the system of provision against risks from the point of view of risk management by commercial Banks and accounting theory.
流动性风险管理问题一直是世界各国商业银行风险管理研究领域中的重点和难点问题之一。
The problem of liquidity risk management has always been a key and difficult one in the field of commercial Banks risk management.
2004年发布的《巴塞尔新资本协议》确定了操作风险在商业银行风险管理中的重要地位。
In 'the New Basel Capital Accord' published in 2004 operational risk has been identified in the risk management of commercial Banks in an important position.
随着国内外金融案件的频频发生，操作风险防范问题正日益成为商业银行风险管理的焦点领域。
With the happening of domestic and abroad financial cases, operational risk privation has increasingly become the focus of the risk management for commercial banking.
现代商业银行风险管理体系包括：风险控制组织、风险度量技术、风险规避技术、全面风险管理模式。
The risk control system of modern commercial bank covers risk control and organization, risk measurement technique, risk dodge skill, mode of risk management in an all-round way.
然后从西方关联企业立法、信贷运行机制、风险评估措施等方面介绍了西方商业银行风险管理上的做法。
And legislation related enterprises from the West, the credit mechanism, risk assessment and other measures are introduced in the article from Western commercial Banks on risk management practices.
本文认为完善制度环境、改善银行内部治理、加强外部监管是提高我国商业银行风险管理能力的主要路径。
The thesis holds the point that the principal methods in improving the risk management ability of our state-owned Banks are to perfect the system, the internal rectification and external supervision.
此时，银行更加注重的是资本管理和价值管理，资本和风险资产的匹配成为商业银行风险管理的核心问题。
At this point, the Banks pay more attention to capital management and value management, capital and risk assets to match a commercial bank risk management, the core issue.
从当前我国银行信贷风险管理情况来看，我国商业银行风险管理水平普遍较低，整个银行体系不良贷款率偏高，远远高于国际警戒线。
Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.
本文从我国个人住房贷款风险状况入手，对比分析了国外商业银行个人住房贷款风险管理框架和方法，全面探索了我国商业银行风险管理体系的构建和相应的措施手段。
This essay starts with the situation of our personal real-estate loan's risks and analyzes the personal real-estate loan's risk management frame and methods of foreign commercial Banks.
在中国现行金融环境下，信贷风险占有主要的地位。因此防范和化解信贷风险成为我国商业银行风险管理的主要内容，而信贷风险管理很重要的一个环节就是量化信贷资产的风险。
Under China's current financial circumstance, credit risk is the dominant one, so avoiding and settling the credit risk become the main task of the risk management of our country's commercial banks.
在对矩阵进行深入分析的基础上，为商业银行利用迁移矩阵进行风险管理提出了有益的建议。
On the basis of an in-depth study of matrix, the author puts forward some valuable suggestions for exercising commercial bank risk management by applying transfer matrix.
因此，研究我国商业银行效率及银行风险管理对效率的影响具有重要的现实意义。
Therefore, studying the efficiency of China's commercial Banks and bank risk management has important practical significance on the impact of the efficiency.
因此，文章在银行业现有研究的基础上，将部分敏感因素加入到风险管理的动态监测中，进一步完善商业银行风险预警指标体系。
Therefore, based on the foundation of existing research, the thesis introducing certain sensitive factors into the dynamic monitor of risk management, perfect the early-warning indexes system.
而在国有商业银行审计中推行风险导向内部审计，可以达到加强内部管理、提高效益和防范风险的作用。
To promote risk-oriented internal audit in the state-owned commercial Banks can make it possible to strengthen the internal management, improve the efficiency and prevent the risk.
资产业务是商业银行的主体业务，信贷风险管理构成银行风险管理的主要对象。
As credit business has been the main business for domestic commercial Banks, credit risk management thus became the important one for banking risks management.
商业银行个人理财业务逐渐成为商业银行增强客户忠诚度、提高银行竞争力、更好地管理客户风险、提高银行风险对冲和管理能力的重要业务方式。
Commercial Banks personal financial service is going to be the core business which could strengthen Banks customer loyalty, increase Banks competitiveness, as well as enhancing risk control ability.
核心风险理论认为现代商业银行的核心能力就是信用风险管理能力，是银行的核心价值所在，也是银行风险管理重点。
The core of risk theory that modern commercial bank's core competencies is the credit risk management capabilities, a bank's core values, and also the bank's risk management focus.
核心风险理论认为现代商业银行的核心能力就是信用风险管理能力，是银行的核心价值所在，也是银行风险管理重点。
The core of risk theory that modern commercial bank's core competencies is the credit risk management capabilities, a bank's core values, and also the bank's risk management focus.
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