摘要
风险，是任何企业都难以避免的问题，如何管理控制风险，一直是企业经营活动中不可
避免要研究的课题，对于天然的具有风险性质的银行机构来说更是如此。银行业对于风险的
控制研究古而有之，但形成体系化、理论化的研究结构在近百年才得以发展壮大。通过近百
年的发展，银行风险管理理论数次演进，不断完善和革新，形成体系化发展，构建了自身特
有的理论基础和研究机制，是管理学伟大成果中的重要部分，融合了无数精英的勤奋工作

我国在商业银行改革的过程中，对西方经济学和管理学中的经验和教训吸收融合，结合我国
实际，形成了一套适应我国自身发展所需的管理机制，为我国银行业蓬勃、稳健发展提供了
可靠地安全保障，做出了卓越的贡献。但由于我国地域辽阔，经济结构复杂，城乡差异明显，
使得我国的银行风险管理体系存在着种种缺陷和不足，维护银行业风险可控，保障银行业稳
定运行，已成为中国银行业需要面对的重大挑战。尤其是在当前经济形势风云不定，市场变
化万千的形势下，如何有效地防范风险，加强风险管理水平，已越来越成为金融业者研究的
重点。对于中国特色性的地方中小金融机构，特别是农村中小金融机构，由于其历史发展的
不规范性，使其在管理理论研究方面存在先天不足，在当今农村经济突飞猛进的背景下，提
高风险管理水平的需求尤其迫切

本文通过对国内外金融机构风险管理理论发展的演进过程进行研究，从中对目前国内外
的风险管控方法加以分析，并对 Y 农商银行在风险管理实际情况的各个方面进行研判，详细
梳理 Y 农商银行目前的风险管理现状和不足。并对国际发达国家银行业的发展经验进行归纳
解读，分析其中的优势，并从不同的风险分类角度，对 Y 农商银行的风险管理模式的发展提
出改进的措施。本文数据来源全面、真实，所列情况均为 Y 农商银行当前所存在的经营实际，
对 Y 农商银行及其同类机构具有一定的实际操作意义

关键词：农商银行；风险控制管理；研究2
Abstract
Risk, is the problem thatdifficult to avoid for any enterprise, how to control the risk has been
the essential and inevitable study of the subject issues for business activities of the enterprise. It is
is even more so for commercial bank which is born for profit and facing risk for natural. The
history of control of the risk for the banking industry has been last from ancient to there, but the
formation of a systematic, theoretical research structure was grown and developed in the past
century. Through the development of the past century, the theory of bank risk management has
evolved several times, and constantly improved and innovated. It has formed its own theoretical
foundation and research mechanism, which is an important part of the great achievements of
management, and has integrated the elite work hard. In the course of the reform of commercial
banks, the integration of experience and lessons in western economics and management, combined
with China&39;s reality, has formed a set of management mechanisms to meet the development of
China&39;s own industry, and providing a reliable security for the vigorous and steady development of
China&39;s banking industry, made a remarkable contribution. However, due to the vast territory of
China, the economic structure is complex, urban and rural differences are obvious, making China&39;s
bank risk management system there are all kinds of shortcomings and deficiencies, how to maintain
the banking risk control and ensure the stable operation of the banking industry has become a major
challenge for China&39;s banking industry needs to deal with. Especially for now, the current economic
situation uncertain, the market changes in thousands of circumstances, how to effectively guard
against risks, strengthen the level of risk management, has become the focus of financial industry
research. For the local characteristics of small and medium-sized financial institutions, especially
small and medium-sized rural financial institutions, due to its historical development of
non-normative, so that there are inherent deficiencies in the management of theoretical research, in
today&39;s rural economy in the context of rapid development of risk management Demand is
particularly urgent.
This paper an
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