中国银行业的风险管理体系顺利度过了成长期,正在迈进挑战期。展望未来,随着各种类型金融创新的不断出现,不同类别风险相互交叉、渗透、转化的模式越来越复杂,转化频率越来越快,银行业实施全面风险管理的时代正在来临。从20世纪80年代的拉美主权债务危机,到1997年的亚洲金融危机,再到2007年的全球金融危机,每次危机过后巴塞尔委员会对国际银行业监管规则的修订都明 The risk management system of China’s banking sector has passed the growth phase and is now in the challenge phase. Looking ahead, with the continuous emergence of various types of financial innovations, the risk of cross-cutting, infiltration and transformation of different types of risks becomes more and more complicated and the frequency of conversion is becoming faster and faster. The era in which banks implement comprehensive risk management is coming. From the Latin American sovereign debt crisis of the 1980s to the Asian financial crisis of 1997 to the global financial crisis of 2007, the Basel Committee’s revision of international banking regulatory rules after each crisis is clear