推進金融機構風險管理之日本銀行業的經驗(ppt 34頁)

推進金融機構風險管理之日本銀行業的經驗目錄：
第一部分、銀行業推進風險管理及日本銀行支持舉措的背景
第二部分、金融機構整合風險管理研討會發布的相關報告
一、內部評級製度為基礎強化信用風險管理
二、強化操作風險管理
三、強化整合風險管理

推進金融機構風險管理之日本銀行業的經驗內容提要：
The experience of overcoming NPL problems since the 1990s… 90年代以來，克服不良貸款問題的經驗
Enhance the risk management of Japanese financial institutions particularly in the area of credit risk management 推進日本金融機構風險管理，特別強化信用風險管理
Entail stability of financial system, which led to the lifting of blanket deposit insurance in April, 2005 金融體係穩定性，這導致2005年4月存款保險的整體上調。
In this new environment, financial institutions are expected to develop further creative business services that meet the needs of customers through… 在新情況下，金融機構預計可通過提供下列創新服務來滿足消費者需求：
Assessing various risks not only in a conservative way but also in an accurate way. 穩健而準確地進行風險評估。
In other words, financial institutions are expected to grasp effectively the various risks inherent in their business (e.g. economic value and its volatility of all the assets they possess and transactions they engage in), and also to establish a framework that manages these risks in an integrated way. 換句話說，金融機構預計能有效把握業務中存在的各種風險（例如，其擁有和參與交易的全部資產價值及波動)，並建立風險綜合管理機製
In addition, Basel II implementation surely pressures banks to intensify the above efforts. 此外，巴塞爾Ⅱ 的出台迫使銀行強化上述措施。

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