银行作为高风险行业,其经营过程实质就是买卖和转移风险的过程,虽说承担高的市场风险就可能得到高的收益。然而,商业银行在经营中总是希望能以最小风险谋求相对较高的收益,但由于受客观条件以及主观能动性等因素影响,商业银行往往不能很好地处理风险和收益的关系,难以较好解决市场中的信息不对称问题,也比较难以准确的识别市场风险程度,特别是不能理智地看到高收益背后隐藏的高风险甚至是所能承担风险的实际能力。近年来,信贷风险仍然是银行经营主要的风险,尽管商业银行的利润结构和经营理念有了较 As a high-risk industry, the business process of a bank is actually a process of buying and selling and transferring risks. Although banks may assume high market risk, they may obtain high returns. However, commercial banks always hope to seek relatively high returns with minimal risk in their operations. However, due to the objective conditions and subjective initiative, commercial banks often can not properly handle the relationship between risks and returns and are difficult to be better It is also difficult to accurately identify the market risk, especially the unrealistic high-risk hidden behind the high-yield and even the actual ability to bear the risk. In recent years, the credit risk is still the main risk of bank operation. Although the profit structure and business philosophy of commercial banks have made more