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伴随我国市场经济发展中竞争的日益激烈和加剧,不良贷款不断增大的背景下,财务风险,一直都是我国现代商业银行在经营管理中客观存在着且不可完全消除的风险问题,并逐步呈现出复杂多变的趋势。因此对商业银行的财务风险加大管理和预防,就要求我们不断根据市场和时代的变化,掌握、分析导致这一风险问题存在的特性和成因,以此加强科学控制与防范,建立和完善防范机制,将出现的经济损失减少到最低,而经济收益达到最大,提升自身在市场中的竞争力,这也是财务管理的核心内容。
With the increasingly fierce and aggravating competition in our country’s market economy development and the increasing of non-performing loans, the financial risk has always been a risk that objectively existing and not completely eliminated by modern commercial banks in our country. A complex and ever-changing trend. Therefore, to increase the management and prevention of the financial risks of commercial banks requires us to constantly grasp and analyze the characteristics and causes that lead to this risk problem according to the changes in the market and the times so as to strengthen scientific control and prevention, establish and perfect prevention measures Mechanism, to minimize the economic losses that occur, and to maximize economic benefits and enhance their competitiveness in the market. This is also the core of financial management.