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风险管理全球背景

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风险管理的全球与中国背景
Risk Management in the World and China

    在过去的三十年中,全球金融业竞争更激烈,经营环境日趋复杂,导致银行所面临的风险环境也日益复杂化。由于风险管理不当,不论发达国家还是发展中国家,都曾发生类似重大金融风险事件,并给金融体系造成了重大损失。因此,世界各地的银行和监管当局也越来越认识到强化风险管理对银行及整个金融系统至关重要。 

    目前,中国银行业已全面对外开放,并且国有大型商业银行将在2010年以后逐步实施新巴塞尔资本协议(I,II,甚至III)。在这种新形势下,中国商业银行认识到要想与跨国银行展开竞争,就必须提高银行的金融风险管理水平,必须拥有一批熟悉国际标准,掌握全面基本的银行风险管理知识,了解国际银行监管架构的风险管理人才。 

    中国以及世界各地的银行有必要对员工进行系统、持续的培训和认证项目,使其理解并掌握风险管理技术和理念。培训有助于银行保持自身的竞争力并最大限度地避免可能发生的声誉和经济上的风险。同时,也将使中国银监会和全球投资者对中国银行业的长期稳健发展充满信心。 

Global and local banks are facing an increasingly complicated risk environment. In an ever more complex and competitive globalized world, poor risk management can contribute to major financial crises, result in large financial losses and possibly threaten the existence of the entire global financial system. Banks and regulators worldwide have recognized the paramount importance of strengthening risk management. 

Chinese banks require large numbers of qualified risk managers versed in international financial risk management best practices and international regulatory frameworks. Well trained risk managers are vital given the increasing liberalization of the Chinese financial markets, the adoption of the Basel Accords and the need to compete effectively with global competitors. 

In order to understand, grasp and put in practice globally accepted risk management concepts and methodologies, it is necessary for Chinese and international banks to engage in systematic and ongoing training and certification programs. Such training can assist banks in maintaining their competitiveness and helping mitigate business and reputation risks. Furthermore, undertaking such risk-related training will boost the confidence of regulators and investors in the Chinese banking industry.