導語(yu)：商業(ye)銀行財務(wu)風險控(kong)制(zhi)探究一文(wen)來(lai)源(yuan)于網(wang)友上傳(chuan)，不代表本站(zhan)觀點，若需(xu)要原(yuan)創(chuang)文(wen)章(zhang)可咨詢客服(fu)老師，歡迎參考。

[摘要]近幾年我國金融行業的運營發展非常迅速，商業銀行為了適應激烈的市場競爭，除了與傳統的競爭對手進行競爭以外，還需要與市場中的新興金融機構，如小額貸款機構、民間金融機構等開展競爭。財務風險管理工作對于商業銀行運營發展的影響是比較明顯的。基于財務風險管理市場、資產、投資及內控四個維度，通過結合s銀行案例，對商業銀行財務風險控制工(gong)作(zuo)各維度存(cun)在的(de)不(bu)足進(jin)行(xing)分析，并提出了(le)構建市場風(feng)險管(guan)理(li)(li)(li)模式、提高資產質量綜合管(guan)理(li)(li)(li)、拓(tuo)寬投資領域、完(wan)善內部控制工(gong)作(zuo)的(de)建議(yi)。希(xi)望(wang)能夠為商業銀(yin)行(xing)財務風(feng)險管(guan)理(li)(li)(li)工(gong)作(zuo)的(de)科學開展帶來幫助。

[關鍵詞]商業銀行；財務風險(xian)；內部控制(zhi)

一、引言

財(cai)務(wu)管(guan)(guan)理工作作為影響商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)運營(ying)發(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)重要內容，如果商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)的(de)(de)(de)(de)(de)(de)財(cai)務(wu)管(guan)(guan)理水平提升，不但(dan)(dan)發(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)后顧之憂能(neng)夠(gou)得到有效緩解，同(tong)時(shi)也(ye)能(neng)夠(gou)協(xie)助商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)更(geng)好地參與競爭。在(zai)財(cai)務(wu)管(guan)(guan)理活動中，財(cai)務(wu)風(feng)險(xian)管(guan)(guan)理工作的(de)(de)(de)(de)(de)(de)開展(zhan)至關重要。由于商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)運營(ying)發(fa)(fa)展(zhan)過程(cheng)中所(suo)涉(she)及的(de)(de)(de)(de)(de)(de)資金(jin)內容較(jiao)多，同(tong)時(shi)對于財(cai)務(wu)風(feng)險(xian)管(guan)(guan)控(kong)工作的(de)(de)(de)(de)(de)(de)需求較(jiao)高，所(suo)以商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)財(cai)務(wu)風(feng)險(xian)控(kong)制不但(dan)(dan)能(neng)夠(gou)使(shi)自身的(de)(de)(de)(de)(de)(de)運營(ying)發(fa)(fa)展(zhan)更(geng)加平穩，同(tong)時(shi)也(ye)能(neng)夠(gou)結合市場競爭的(de)(de)(de)(de)(de)(de)需要來(lai)針對性(xing)地完(wan)善財(cai)務(wu)風(feng)險(xian)管(guan)(guan)理結構(gou)，使(shi)商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)的(de)(de)(de)(de)(de)(de)管(guan)(guan)理者能(neng)夠(gou)重新審視自身運營(ying)發(fa)(fa)展(zhan)的(de)(de)(de)(de)(de)(de)相(xiang)關資源，最終為財(cai)務(wu)風(feng)險(xian)管(guan)(guan)理體系(xi)的(de)(de)(de)(de)(de)(de)科學構(gou)建(jian)帶來(lai)幫助。現階段(duan)，我國商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)的(de)(de)(de)(de)(de)(de)管(guan)(guan)理者普遍已經提高了(le)對于財(cai)務(wu)風(feng)險(xian)的(de)(de)(de)(de)(de)(de)管(guan)(guan)控(kong)重視程(cheng)度(du)，但(dan)(dan)是財(cai)務(wu)風(feng)險(xian)控(kong)制仍舊存(cun)在(zai)一些不足，制約了(le)商(shang)(shang)(shang)(shang)業(ye)銀(yin)(yin)(yin)行(xing)綜(zong)合發(fa)(fa)展(zhan)水平的(de)(de)(de)(de)(de)(de)提升。

二、商業銀行財務風險控制(zhi)的內(nei)容

(一(yi)(yi))市場風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)。市場風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)是(shi)指(zhi)因外部(bu)(bu)環(huan)境(jing)變(bian)化而對(dui)商業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)財(cai)務管(guan)理(li)所(suo)(suo)(suo)產(chan)生(sheng)(sheng)的(de)(de)(de)(de)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)，在(zai)我(wo)國利率(lv)(lv)市場化迅速(su)發展的(de)(de)(de)(de)基礎上，利率(lv)(lv)、政(zheng)(zheng)府(fu)政(zheng)(zheng)策(ce)(ce)的(de)(de)(de)(de)變(bian)化會(hui)影響商業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)財(cai)務管(guan)理(li)活動，對(dui)于政(zheng)(zheng)策(ce)(ce)解讀不(bu)(bu)充分(fen)會(hui)降(jiang)低銀(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)綜合收益(yi)(yi)。所(suo)(suo)(suo)以市場風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)的(de)(de)(de)(de)具(ju)體內(nei)容(rong)就(jiu)是(shi)及時對(dui)市場利率(lv)(lv)等外部(bu)(bu)環(huan)境(jing)進行(xing)(xing)(xing)分(fen)析，通(tong)過完善定(ding)價機制(zhi)、加強風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)評(ping)估(gu)避免外部(bu)(bu)環(huan)境(jing)對(dui)銀(yin)(yin)行(xing)(xing)(xing)收益(yi)(yi)水(shui)平變(bian)化產(chan)生(sheng)(sheng)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。(二(er))資(zi)產(chan)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)。資(zi)產(chan)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)是(shi)商業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)資(zi)產(chan)管(guan)理(li)不(bu)(bu)科(ke)學而產(chan)生(sheng)(sheng)的(de)(de)(de)(de)各(ge)類風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)，銀(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)不(bu)(bu)良(liang)資(zi)產(chan)率(lv)(lv)提(ti)升(sheng)，所(suo)(suo)(suo)背負(fu)的(de)(de)(de)(de)財(cai)務風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)就(jiu)會(hui)有(you)所(suo)(suo)(suo)提(ti)升(sheng)。所(suo)(suo)(suo)以資(zi)產(chan)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)需要商業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)加強資(zi)產(chan)管(guan)理(li)工(gong)作(zuo)，利用有(you)效的(de)(de)(de)(de)資(zi)產(chan)業(ye)(ye)務、加強資(zi)產(chan)審計(ji)等工(gong)作(zuo)降(jiang)低不(bu)(bu)良(liang)資(zi)產(chan)率(lv)(lv)以控(kong)(kong)(kong)(kong)制(zhi)資(zi)產(chan)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。(三)投(tou)(tou)資(zi)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)。投(tou)(tou)資(zi)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)是(shi)指(zhi)商業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)投(tou)(tou)資(zi)項目(mu)沒有(you)獲得應有(you)的(de)(de)(de)(de)收益(yi)(yi)，如果投(tou)(tou)資(zi)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)較差(cha)，銀(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)收益(yi)(yi)水(shui)平難以保(bao)證，利益(yi)(yi)相關者信(xin)心(xin)將(jiang)有(you)所(suo)(suo)(suo)下降(jiang)，銀(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)財(cai)務風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)會(hui)迅速(su)增長。投(tou)(tou)資(zi)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)即將(jiang)銀(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)投(tou)(tou)資(zi)資(zi)源集中(zhong)(zhong)在(zai)投(tou)(tou)資(zi)收益(yi)(yi)穩定(ding)、能夠(gou)為銀(yin)(yin)行(xing)(xing)(xing)收益(yi)(yi)水(shui)平提(ti)升(sheng)帶來幫助(zhu)的(de)(de)(de)(de)投(tou)(tou)資(zi)項目(mu)上，或通(tong)過多(duo)元化投(tou)(tou)資(zi)的(de)(de)(de)(de)方式來規(gui)避風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。(四)內(nei)控(kong)(kong)(kong)(kong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)內(nei)控(kong)(kong)(kong)(kong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)是(shi)指(zhi)商業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)內(nei)部(bu)(bu)控(kong)(kong)(kong)(kong)制(zhi)體系運營發展過程中(zhong)(zhong)出現問題，使內(nei)部(bu)(bu)控(kong)(kong)(kong)(kong)制(zhi)工(gong)作(zuo)的(de)(de)(de)(de)作(zuo)用缺失，如果內(nei)部(bu)(bu)控(kong)(kong)(kong)(kong)制(zhi)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)不(bu)(bu)充分(fen)，將(jiang)會(hui)降(jiang)低內(nei)部(bu)(bu)控(kong)(kong)(kong)(kong)制(zhi)工(gong)作(zuo)的(de)(de)(de)(de)約束效果，提(ti)升(sheng)銀(yin)(yin)行(xing)(xing)(xing)財(cai)務風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。內(nei)控(kong)(kong)(kong)(kong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)制(zhi)的(de)(de)(de)(de)主要手段是(shi)建(jian)立一(yi)(yi)套有(you)效的(de)(de)(de)(de)內(nei)部(bu)(bu)控(kong)(kong)(kong)(kong)制(zhi)體系，從環(huan)境(jing)、風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)評(ping)估(gu)、溝通(tong)等領域構建(jian)有(you)效的(de)(de)(de)(de)內(nei)控(kong)(kong)(kong)(kong)模式。

三、商(shang)業銀(yin)行財務風險控制現狀(zhuang)及問題(ti)———以S銀(yin)行為(wei)例

(一)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)簡介。S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)總部(bu)位于(yu)(yu)遼寧(ning)省(sheng)沈陽市(shi)(shi)，前身是(shi)沈陽市(shi)(shi)商業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，2007年(nian)(nian)(nian)2月經(jing)(jing)中國(guo)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)監會批準更名(ming)為(wei)(wei)(wei)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，并(bing)實(shi)(shi)現(xian)(xian)(xian)(xian)跨區域(yu)經(jing)(jing)營，是(shi)東(dong)北地(di)區實(shi)(shi)力雄厚的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)總部(bu)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)始終堅持依法合(he)規(gui)、穩健(jian)經(jing)(jing)營，不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)改革創新(xin)、開(kai)(kai)拓進(jin)(jin)(jin)(jin)(jin)取，促進(jin)(jin)(jin)(jin)(jin)效(xiao)(xiao)(xiao)益(yi)(yi)、質量、規(gui)模(mo)(mo)(mo)均衡發(fa)(fa)展(zhan)(zhan)(zhan)。截至(zhi)(zhi)2017年(nian)(nian)(nian)末，總資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)達(da)10306.17億元(yuan)，實(shi)(shi)現(xian)(xian)(xian)(xian)凈利(li)潤(run)75.74億元(yuan)，連(lian)續多年(nian)(nian)(nian)納(na)稅排名(ming)遼寧(ning)省(sheng)金(jin)融(rong)服務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)首位，沈陽市(shi)(shi)納(na)稅前三強。(二)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)現(xian)(xian)(xian)(xian)狀。在(zai)市(shi)(shi)場(chang)(chang)(chang)(chang)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)方(fang)面，存(cun)(cun)貸(dai)(dai)(dai)(dai)款(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)作(zuo)為(wei)(wei)(wei)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主(zhu)(zhu)(zhu)(zhu)要(yao)(yao)(yao)(yao)收(shou)(shou)入來(lai)(lai)(lai)源，業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)規(gui)模(mo)(mo)(mo)不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)提(ti)(ti)(ti)高(gao)(gao)。在(zai)此(ci)基(ji)礎(chu)(chu)(chu)上，S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)沒有(you)結合(he)匯率及利(li)率變化來(lai)(lai)(lai)針(zhen)對(dui)(dui)性(xing)地(di)構(gou)建(jian)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)模(mo)(mo)(mo)型，對(dui)(dui)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)控(kong)(kong)(kong)(kong)(kong)工(gong)(gong)(gong)作(zuo)開(kai)(kai)展(zhan)(zhan)(zhan)產(chan)(chan)(chan)(chan)(chan)(chan)生阻礙。根據(ju)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)貸(dai)(dai)(dai)(dai)款(kuan)五(wu)級分類(lei)情況繪制(zhi)(zhi)(zhi)(zhi)成(cheng)表1。根據(ju)表1數(shu)據(ju)能(neng)夠(gou)(gou)看出，銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)可疑(yi)與損失(shi)貸(dai)(dai)(dai)(dai)款(kuan)金(jin)額不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)提(ti)(ti)(ti)升(sheng)，這(zhe)就要(yao)(yao)(yao)(yao)求(qiu)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)通過(guo)(guo)(guo)科學的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)價(jia)體(ti)(ti)系(xi)來(lai)(lai)(lai)對(dui)(dui)現(xian)(xian)(xian)(xian)有(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)有(you)效(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)，這(zhe)樣才(cai)能(neng)夠(gou)(gou)避(bi)免可疑(yi)、損失(shi)貸(dai)(dai)(dai)(dai)款(kuan)所(suo)造成(cheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)損失(shi)。現(xian)(xian)(xian)(xian)階(jie)(jie)段銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)價(jia)模(mo)(mo)(mo)型主(zhu)(zhu)(zhu)(zhu)要(yao)(yao)(yao)(yao)還是(shi)基(ji)于(yu)(yu)客戶及市(shi)(shi)場(chang)(chang)(chang)(chang)競爭(zheng)(zheng)導向(xiang)來(lai)(lai)(lai)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。在(zai)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)方(fang)面，由于(yu)(yu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)性(xing)質的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)影響(xiang)，S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)類(lei)型多樣，資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)規(gui)模(mo)(mo)(mo)龐大。2017年(nian)(nian)(nian)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)為(wei)(wei)(wei)174.81億元(yuan)，相較(jiao)(jiao)(jiao)于(yu)(yu)2016年(nian)(nian)(nian)136.16億元(yuan)增(zeng)長(chang)明(ming)顯(xian)，S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)營發(fa)(fa)展(zhan)(zhan)(zhan)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)提(ti)(ti)(ti)升(sheng)。S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)加(jia)(jia)權風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)權重不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)地(di)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)調(diao)整(zheng)(zheng)，使(shi)(shi)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)提(ti)(ti)(ti)升(sheng)。在(zai)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)方(fang)面，雖然(ran)(ran)近(jin)幾(ji)年(nian)(nian)(nian)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)綜合(he)收(shou)(shou)益(yi)(yi)水(shui)(shui)平不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)提(ti)(ti)(ti)高(gao)(gao)，但是(shi)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)收(shou)(shou)益(yi)(yi)率卻呈現(xian)(xian)(xian)(xian)下(xia)降(jiang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)趨勢。在(zai)傳(chuan)(chuan)統(tong)(tong)制(zhi)(zhi)(zhi)(zhi)造業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)發(fa)(fa)展(zhan)(zhan)(zhan)比較(jiao)(jiao)(jiao)迅速的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎(chu)(chu)(chu)上，往往能(neng)夠(gou)(gou)使(shi)(shi)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)資(zi)(zi)(zi)(zi)(zi)金(jin)收(shou)(shou)益(yi)(yi)得(de)(de)到(dao)(dao)保(bao)證，這(zhe)也(ye)是(shi)近(jin)幾(ji)年(nian)(nian)(nian)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)主(zhu)(zhu)(zhu)(zhu)要(yao)(yao)(yao)(yao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)領(ling)域(yu)。根據(ju)近(jin)幾(ji)年(nian)(nian)(nian)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)貸(dai)(dai)(dai)(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)領(ling)域(yu)發(fa)(fa)放情況繪制(zhi)(zhi)(zhi)(zhi)成(cheng)表2。2016年(nian)(nian)(nian)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)(dui)制(zhi)(zhi)(zhi)(zhi)造業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)發(fa)(fa)放貸(dai)(dai)(dai)(dai)款(kuan)36,474,375千元(yuan)，不(bu)(bu)(bu)良貸(dai)(dai)(dai)(dai)款(kuan)率為(wei)(wei)(wei)7.75%，而(er)2016年(nian)(nian)(nian)不(bu)(bu)(bu)良貸(dai)(dai)(dai)(dai)款(kuan)率已經(jing)(jing)增(zeng)長(chang)至(zhi)(zhi)8.02%，在(zai)內(nei)控(kong)(kong)(kong)(kong)(kong)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)方(fang)面，近(jin)幾(ji)年(nian)(nian)(nian)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)(dui)于(yu)(yu)內(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重視(shi)程度(du)不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)提(ti)(ti)(ti)高(gao)(gao)，對(dui)(dui)于(yu)(yu)存(cun)(cun)貸(dai)(dai)(dai)(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)及相關(guan)(guan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)體(ti)(ti)系(xi)切實(shi)(shi)使(shi)(shi)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)得(de)(de)到(dao)(dao)了(le)有(you)效(xiao)(xiao)(xiao)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)。但是(shi)關(guan)(guan)于(yu)(yu)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)控(kong)(kong)(kong)(kong)(kong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)落(luo)實(shi)(shi)及開(kai)(kai)展(zhan)(zhan)(zhan)卻存(cun)(cun)在(zai)一定(ding)(ding)差異。內(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)科學環境尚(shang)未得(de)(de)到(dao)(dao)有(you)效(xiao)(xiao)(xiao)構(gou)建(jian)，對(dui)(dui)于(yu)(yu)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)主(zhu)(zhu)(zhu)(zhu)要(yao)(yao)(yao)(yao)還是(shi)由財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)部(bu)門進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，并(bing)沒有(you)構(gou)建(jian)全員財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具體(ti)(ti)工(gong)(gong)(gong)作(zuo)模(mo)(mo)(mo)式。(三)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)問(wen)題分析。1.市(shi)(shi)場(chang)(chang)(chang)(chang)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)困難。在(zai)2015年(nian)(nian)(nian)我國(guo)完全實(shi)(shi)現(xian)(xian)(xian)(xian)存(cun)(cun)貸(dai)(dai)(dai)(dai)款(kuan)利(li)率市(shi)(shi)場(chang)(chang)(chang)(chang)化的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎(chu)(chu)(chu)上，現(xian)(xian)(xian)(xian)階(jie)(jie)段S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)場(chang)(chang)(chang)(chang)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)是(shi)非(fei)(fei)常(chang)明(ming)顯(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)場(chang)(chang)(chang)(chang)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)主(zhu)(zhu)(zhu)(zhu)要(yao)(yao)(yao)(yao)來(lai)(lai)(lai)源于(yu)(yu)利(li)率和(he)匯率的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)波動性(xing)，而(er)隨著銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)近(jin)幾(ji)年(nian)(nian)(nian)加(jia)(jia)強了(le)對(dui)(dui)于(yu)(yu)存(cun)(cun)貸(dai)(dai)(dai)(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)場(chang)(chang)(chang)(chang)營銷(xiao)工(gong)(gong)(gong)作(zuo)，根據(ju)現(xian)(xian)(xian)(xian)狀部(bu)分的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)介紹能(neng)夠(gou)(gou)看出，現(xian)(xian)(xian)(xian)階(jie)(jie)段S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)個人理(li)(li)(li)(li)財(cai)(cai)(cai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)價(jia)主(zhu)(zhu)(zhu)(zhu)要(yao)(yao)(yao)(yao)是(shi)結合(he)競爭(zheng)(zheng)對(dui)(dui)手提(ti)(ti)(ti)供的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)理(li)(li)(li)(li)財(cai)(cai)(cai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)產(chan)(chan)(chan)(chan)(chan)(chan)品和(he)客戶對(dui)(dui)于(yu)(yu)理(li)(li)(li)(li)財(cai)(cai)(cai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)利(li)率的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需(xu)(xu)求(qiu)來(lai)(lai)(lai)針(zhen)對(dui)(dui)性(xing)地(di)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)調(diao)整(zheng)(zheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。該定(ding)(ding)價(jia)模(mo)(mo)(mo)式雖然(ran)(ran)能(neng)夠(gou)(gou)使(shi)(shi)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)銷(xiao)量得(de)(de)到(dao)(dao)提(ti)(ti)(ti)升(sheng)，但是(shi)由于(yu)(yu)2018年(nian)(nian)(nian)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)監會對(dui)(dui)于(yu)(yu)理(li)(li)(li)(li)財(cai)(cai)(cai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)新(xin)規(gui)定(ding)(ding)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)了(le)進(jin)(jin)(jin)(jin)(jin)一步的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)調(diao)整(zheng)(zheng)，同(tong)時(shi)，各(ge)類(lei)城商行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)(dui)于(yu)(yu)存(cun)(cun)貸(dai)(dai)(dai)(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)利(li)率調(diao)整(zheng)(zheng)靈活(huo)(huo)性(xing)較(jiao)(jiao)(jiao)高(gao)(gao)，而(er)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)分支機構(gou)數(shu)量眾(zhong)多，存(cun)(cun)貸(dai)(dai)(dai)(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)量較(jiao)(jiao)(jiao)大，不(bu)(bu)(bu)能(neng)夠(gou)(gou)簡單地(di)來(lai)(lai)(lai)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)相關(guan)(guan)定(ding)(ding)價(jia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)調(diao)整(zheng)(zheng)，將(jiang)(jiang)會使(shi)(shi)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)所(suo)背負的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)市(shi)(shi)場(chang)(chang)(chang)(chang)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)較(jiao)(jiao)(jiao)高(gao)(gao)。同(tong)時(shi)，當市(shi)(shi)場(chang)(chang)(chang)(chang)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)產(chan)(chan)(chan)(chan)(chan)(chan)生以后(hou)，銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)客戶的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)滿意度(du)也(ye)必(bi)然(ran)(ran)會遭到(dao)(dao)影響(xiang)。2.資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)較(jiao)(jiao)(jiao)高(gao)(gao)。在(zai)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)同(tong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)展(zhan)(zhan)(zhan)遭到(dao)(dao)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)監會限制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎(chu)(chu)(chu)上，近(jin)幾(ji)年(nian)(nian)(nian)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)表外(wai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)(fa)展(zhan)(zhan)(zhan)非(fei)(fei)常(chang)迅速。中間(jian)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)作(zuo)為(wei)(wei)(wei)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)綜合(he)收(shou)(shou)益(yi)(yi)水(shui)(shui)平提(ti)(ti)(ti)高(gao)(gao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重要(yao)(yao)(yao)(yao)來(lai)(lai)(lai)源，也(ye)是(shi)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)打開(kai)(kai)市(shi)(shi)場(chang)(chang)(chang)(chang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重要(yao)(yao)(yao)(yao)途徑。而(er)在(zai)表外(wai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)運(yun)營發(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)過(guo)(guo)(guo)程中，部(bu)分資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)信息記錄不(bu)(bu)(bu)夠(gou)(gou)充(chong)分。同(tong)時(shi)，對(dui)(dui)中間(jian)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)重視(shi)也(ye)亟待提(ti)(ti)(ti)升(sheng)，一定(ding)(ding)程度(du)上也(ye)將(jiang)(jiang)影響(xiang)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)(chan)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)，對(dui)(dui)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)控(kong)(kong)(kong)(kong)(kong)工(gong)(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)(kai)展(zhan)(zhan)(zhan)產(chan)(chan)(chan)(chan)(chan)(chan)生了(le)消極影響(xiang)。3.投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)收(shou)(shou)益(yi)(yi)低(di)。S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)通過(guo)(guo)(guo)存(cun)(cun)貸(dai)(dai)(dai)(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)所(suo)獲(huo)得(de)(de)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)金(jin)，往往是(shi)通過(guo)(guo)(guo)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)來(lai)(lai)(lai)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)(zi)(zi)(zi)(zi)金(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)增(zeng)值(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。而(er)且同(tong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)發(fa)(fa)展(zhan)(zhan)(zhan)遭到(dao)(dao)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)監會限制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎(chu)(chu)(chu)上，S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)收(shou)(shou)益(yi)(yi)水(shui)(shui)平的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)高(gao)(gao)低(di)將(jiang)(jiang)直接影響(xiang)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)綜合(he)收(shou)(shou)益(yi)(yi)水(shui)(shui)平。在(zai)電商行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)市(shi)(shi)場(chang)(chang)(chang)(chang)競爭(zheng)(zheng)比較(jiao)(jiao)(jiao)激(ji)烈的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎(chu)(chu)(chu)上，傳(chuan)(chuan)統(tong)(tong)制(zhi)(zhi)(zhi)(zhi)造業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)綜合(he)利(li)潤(run)率有(you)所(suo)下(xia)降(jiang)，加(jia)(jia)之較(jiao)(jiao)(jiao)多銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)都開(kai)(kai)始對(dui)(dui)傳(chuan)(chuan)統(tong)(tong)制(zhi)(zhi)(zhi)(zhi)造業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)市(shi)(shi)場(chang)(chang)(chang)(chang)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)有(you)效(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)(kai)發(fa)(fa)，這(zhe)就造成(cheng)現(xian)(xian)(xian)(xian)有(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)傳(chuan)(chuan)統(tong)(tong)制(zhi)(zhi)(zhi)(zhi)造業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)市(shi)(shi)場(chang)(chang)(chang)(chang)綜合(he)收(shou)(shou)益(yi)(yi)率不(bu)(bu)(bu)斷(duan)(duan)(duan)(duan)下(xia)降(jiang)。在(zai)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)領(ling)域(yu)比較(jiao)(jiao)(jiao)集中，投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)收(shou)(shou)益(yi)(yi)率下(xia)降(jiang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)礎(chu)(chu)(chu)上，S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)綜合(he)收(shou)(shou)益(yi)(yi)水(shui)(shui)平提(ti)(ti)(ti)升(sheng)比較(jiao)(jiao)(jiao)緩慢。同(tong)時(shi)，由于(yu)(yu)相關(guan)(guan)政策的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)變化也(ye)必(bi)然(ran)(ran)會造成(cheng)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)加(jia)(jia)劇，投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)作(zuo)為(wei)(wei)(wei)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重要(yao)(yao)(yao)(yao)內(nei)容，需(xu)(xu)要(yao)(yao)(yao)(yao)得(de)(de)到(dao)(dao)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)者的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重視(shi)。同(tong)時(shi)，銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)監會的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)相關(guan)(guan)政策變化必(bi)然(ran)(ran)會對(dui)(dui)現(xian)(xian)(xian)(xian)階(jie)(jie)段的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)產(chan)(chan)(chan)(chan)(chan)(chan)生影響(xiang)，S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應該提(ti)(ti)(ti)高(gao)(gao)對(dui)(dui)于(yu)(yu)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)能(neng)力。4.內(nei)控(kong)(kong)(kong)(kong)(kong)體(ti)(ti)系(xi)存(cun)(cun)在(zai)欠缺。在(zai)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)過(guo)(guo)(guo)程中，內(nei)控(kong)(kong)(kong)(kong)(kong)工(gong)(gong)(gong)作(zuo)所(suo)扮演的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)角色非(fei)(fei)常(chang)重要(yao)(yao)(yao)(yao)，但是(shi)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)目前的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)控(kong)(kong)(kong)(kong)(kong)活(huo)(huo)動開(kai)(kai)展(zhan)(zhan)(zhan)不(bu)(bu)(bu)充(chong)分，結合(he)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)控(kong)(kong)(kong)(kong)(kong)體(ti)(ti)系(xi)仍然(ran)(ran)亟待加(jia)(jia)強。總體(ti)(ti)上來(lai)(lai)(lai)看，內(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)對(dui)(dui)于(yu)(yu)S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)財(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)效(xiao)(xiao)(xiao)作(zuo)用(yong)尚(shang)未得(de)(de)到(dao)(dao)充(chong)分發(fa)(fa)揮，迫切需(xu)(xu)要(yao)(yao)(yao)(yao)進(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)加(jia)(jia)強。

四、商(shang)業銀行財務風險控(kong)制的對策建(jian)議

(一(yi)(yi))構(gou)(gou)建(jian)市(shi)場(chang)(chang)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)模(mo)(mo)式(shi)(shi)。1.商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)完(wan)善(shan)(shan)定(ding)(ding)(ding)(ding)價(jia)機制(zhi)(zhi)(zhi)(zhi)。在(zai)(zai)(zai)利(li)(li)(li)率(lv)(lv)市(shi)場(chang)(chang)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)影(ying)響(xiang)下，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)相(xiang)(xiang)關(guan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)(ding)(ding)價(jia)對(dui)(dui)于(yu)(yu)(yu)綜合(he)(he)(he)(he)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)產(chan)(chan)(chan)(chan)(chan)生(sheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)影(ying)響(xiang)是比較(jiao)明顯(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)通(tong)(tong)(tong)(tong)過(guo)(guo)各類模(mo)(mo)型(xing)來(lai)(lai)(lai)(lai)(lai)實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)定(ding)(ding)(ding)(ding)價(jia)體(ti)(ti)系(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)完(wan)善(shan)(shan)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)各支(zhi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)結(jie)(jie)合(he)(he)(he)(he)現(xian)(xian)階段區(qu)(qu)域(yu)(yu)內(nei)(nei)競爭對(dui)(dui)手(shou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)(ding)(ding)價(jia)情況(kuang)以(yi)(yi)(yi)(yi)及(ji)(ji)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)者對(dui)(dui)于(yu)(yu)(yu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)等業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)目(mu)標，針(zhen)對(dui)(dui)性(xing)(xing)地來(lai)(lai)(lai)(lai)(lai)對(dui)(dui)定(ding)(ding)(ding)(ding)價(jia)體(ti)(ti)系(xi)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)完(wan)善(shan)(shan)和(he)(he)科(ke)學(xue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)(ding)(ding)價(jia)模(mo)(mo)型(xing)，最終為(wei)(wei)(wei)(wei)定(ding)(ding)(ding)(ding)價(jia)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)。2.要(yao)(yao)(yao)加(jia)(jia)(jia)(jia)強(qiang)(qiang)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)評估。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)充(chong)分(fen)(fen)利(li)(li)(li)用(yong)(yong)新(xin)(xin)技術(shu)(shu)來(lai)(lai)(lai)(lai)(lai)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)利(li)(li)(li)率(lv)(lv)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)效評估。在(zai)(zai)(zai)大(da)數據技術(shu)(shu)不(bu)斷(duan)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)礎(chu)(chu)上，由(you)于(yu)(yu)(yu)利(li)(li)(li)率(lv)(lv)變化(hua)(hua)(hua)(hua)(hua)(hua)(hua)之前往(wang)往(wang)是存(cun)在(zai)(zai)(zai)一(yi)(yi)定(ding)(ding)(ding)(ding)前兆(zhao)性(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，在(zai)(zai)(zai)此(ci)(ci)(ci)基(ji)(ji)礎(chu)(chu)上，通(tong)(tong)(tong)(tong)過(guo)(guo)利(li)(li)(li)率(lv)(lv)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)技術(shu)(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)利(li)(li)(li)用(yong)(yong)，能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)結(jie)(jie)合(he)(he)(he)(he)相(xiang)(xiang)關(guan)市(shi)場(chang)(chang)數據信息(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)變化(hua)(hua)(hua)(hua)(hua)(hua)(hua)來(lai)(lai)(lai)(lai)(lai)及(ji)(ji)時(shi)(shi)判斷(duan)潛(qian)在(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)利(li)(li)(li)率(lv)(lv)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。通(tong)(tong)(tong)(tong)過(guo)(guo)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)模(mo)(mo)型(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)建(jian)立和(he)(he)回(hui)歸分(fen)(fen)析法的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)效使用(yong)(yong)，最終為(wei)(wei)(wei)(wei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)利(li)(li)(li)率(lv)(lv)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)，推動(dong)(dong)(dong)市(shi)場(chang)(chang)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)水平(ping)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)。(二)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)質量綜合(he)(he)(he)(he)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)。1.應(ying)(ying)該(gai)(gai)(gai)(gai)拓(tuo)展(zhan)(zhan)(zhan)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)。結(jie)(jie)合(he)(he)(he)(he)我國(guo)現(xian)(xian)階段資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)(xian)實(shi)(shi)(shi)(shi)(shi)情況(kuang)，資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)證(zheng)(zheng)券(quan)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)應(ying)(ying)該(gai)(gai)(gai)(gai)成(cheng)為(wei)(wei)(wei)(wei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主要(yao)(yao)(yao)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)。通(tong)(tong)(tong)(tong)過(guo)(guo)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)證(zheng)(zheng)券(quan)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，也(ye)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)質量，使商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)結(jie)(jie)構(gou)(gou)體(ti)(ti)系(xi)得到進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)優(you)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)與(yu)升(sheng)級。在(zai)(zai)(zai)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)證(zheng)(zheng)券(quan)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)過(guo)(guo)程(cheng)中(zhong)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)首先需(xu)(xu)要(yao)(yao)(yao)結(jie)(jie)合(he)(he)(he)(he)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)及(ji)(ji)區(qu)(qu)域(yu)(yu)經(jing)濟(ji)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)(xian)實(shi)(shi)(shi)(shi)(shi)情況(kuang)，了(le)解到哪些(xie)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)證(zheng)(zheng)券(quan)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)條(tiao)件(jian)較(jiao)好(hao)，基(ji)(ji)礎(chu)(chu)比較(jiao)雄厚。2018年以(yi)(yi)(yi)(yi)來(lai)(lai)(lai)(lai)(lai)，我國(guo)鐵(tie)路企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)與(yu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)關(guan)于(yu)(yu)(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)證(zheng)(zheng)券(quan)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)相(xiang)(xiang)關(guan)合(he)(he)(he)(he)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)日(ri)益密(mi)切，在(zai)(zai)(zai)黨的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)報告中(zhong)也(ye)提(ti)(ti)出(chu)(chu)(chu)了(le)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)證(zheng)(zheng)券(quan)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)對(dui)(dui)于(yu)(yu)(yu)大(da)型(xing)國(guo)有(you)(you)(you)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)運營(ying)(ying)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)(zhong)(zhong)要(yao)(yao)(yao)性(xing)(xing)。所(suo)以(yi)(yi)(yi)(yi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可以(yi)(yi)(yi)(yi)通(tong)(tong)(tong)(tong)過(guo)(guo)與(yu)鐵(tie)路企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)合(he)(he)(he)(he)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)式(shi)(shi)，由(you)此(ci)(ci)(ci)實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)增產(chan)(chan)(chan)(chan)(chan)證(zheng)(zheng)券(quan)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)推進(jin)(jin)(jin)(jin)(jin)(jin)，也(ye)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)盈利(li)(li)(li)能(neng)(neng)(neng)(neng)(neng)(neng)力，為(wei)(wei)(wei)(wei)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)綜合(he)(he)(he)(he)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)水平(ping)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)。2.加(jia)(jia)(jia)(jia)強(qiang)(qiang)表(biao)外(wai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)。由(you)于(yu)(yu)(yu)表(biao)外(wai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)現(xian)(xian)階段作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)為(wei)(wei)(wei)(wei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)盈利(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)(zhong)(zhong)要(yao)(yao)(yao)來(lai)(lai)(lai)(lai)(lai)源(yuan)，通(tong)(tong)(tong)(tong)過(guo)(guo)表(biao)外(wai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)，不(bu)但(dan)(dan)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)為(wei)(wei)(wei)(wei)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)綜合(he)(he)(he)(he)質量的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)提(ti)(ti)升(sheng)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)，同時(shi)(shi)也(ye)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)為(wei)(wei)(wei)(wei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)全面(mian)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)體(ti)(ti)系(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)構(gou)(gou)建(jian)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)。特別是對(dui)(dui)于(yu)(yu)(yu)部(bu)分(fen)(fen)表(biao)外(wai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數據信息(xi)(xi)(xi)披露與(yu)收集工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)應(ying)(ying)該(gai)(gai)(gai)(gai)及(ji)(ji)時(shi)(shi)地制(zhi)(zhi)(zhi)(zhi)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)有(you)(you)(you)效的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)專項財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)報表(biao)，為(wei)(wei)(wei)(wei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)表(biao)外(wai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)信息(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)補充(chong)與(yu)完(wan)善(shan)(shan)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)。3.加(jia)(jia)(jia)(jia)強(qiang)(qiang)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)。通(tong)(tong)(tong)(tong)過(guo)(guo)上文(wen)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)介紹能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)看出(chu)(chu)(chu)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)類型(xing)構(gou)(gou)成(cheng)是呈現(xian)(xian)多樣(yang)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)模(mo)(mo)式(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。在(zai)(zai)(zai)此(ci)(ci)(ci)基(ji)(ji)礎(chu)(chu)上，如果(guo)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)科(ke)學(xue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)模(mo)(mo)式(shi)(shi)，同時(shi)(shi)出(chu)(chu)(chu)具審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)報告，就(jiu)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)更(geng)好(hao)地協助(zhu)(zhu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)加(jia)(jia)(jia)(jia)強(qiang)(qiang)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)現(xian)(xian)階段應(ying)(ying)該(gai)(gai)(gai)(gai)成(cheng)立關(guan)于(yu)(yu)(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)專業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)團隊，審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)人員需(xu)(xu)要(yao)(yao)(yao)通(tong)(tong)(tong)(tong)過(guo)(guo)專業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)培訓，由(you)此(ci)(ci)(ci)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)效率(lv)(lv)，為(wei)(wei)(wei)(wei)審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)，使審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)加(jia)(jia)(jia)(jia)強(qiang)(qiang)對(dui)(dui)于(yu)(yu)(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)效監管(guan)(guan)(guan)(guan)，為(wei)(wei)(wei)(wei)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)體(ti)(ti)系(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)科(ke)學(xue)構(gou)(gou)建(jian)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)。(三)拓(tuo)寬投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)領(ling)(ling)域(yu)(yu)。根據S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)案例能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)看出(chu)(chu)(chu)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金往(wang)往(wang)集中(zhong)在(zai)(zai)(zai)傳統(tong)制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。而隨著相(xiang)(xiang)關(guan)政(zheng)策的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)變化(hua)(hua)(hua)(hua)(hua)(hua)(hua)，傳統(tong)制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)綜合(he)(he)(he)(he)收益水平(ping)產(chan)(chan)(chan)(chan)(chan)生(sheng)影(ying)響(xiang)，一(yi)(yi)定(ding)(ding)(ding)(ding)程(cheng)度上也(ye)會造(zao)(zao)成(cheng)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)。為(wei)(wei)(wei)(wei)了(le)使投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)得到科(ke)學(xue)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)充(chong)分(fen)(fen)地進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)領(ling)(ling)域(yu)(yu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)拓(tuo)寬。一(yi)(yi)帶(dai)一(yi)(yi)路使外(wai)貿(mao)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)迅(xun)速，S銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)就(jiu)可以(yi)(yi)(yi)(yi)通(tong)(tong)(tong)(tong)過(guo)(guo)與(yu)外(wai)貿(mao)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)合(he)(he)(he)(he)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)式(shi)(shi)，積極(ji)地向(xiang)外(wai)貿(mao)領(ling)(ling)域(yu)(yu)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)。這(zhe)樣(yang)不(bu)但(dan)(dan)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)體(ti)(ti)現(xian)(xian)出(chu)(chu)(chu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)(dui)區(qu)(qu)域(yu)(yu)經(jing)濟(ji)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)產(chan)(chan)(chan)(chan)(chan)生(sheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)積極(ji)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)用(yong)(yong)，同時(shi)(shi)也(ye)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)更(geng)好(hao)地在(zai)(zai)(zai)政(zheng)府政(zheng)策的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)鼓勵(li)下，實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)對(dui)(dui)相(xiang)(xiang)關(guan)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)效支(zhi)持(chi)。除(chu)外(wai)貿(mao)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)以(yi)(yi)(yi)(yi)外(wai)，高(gao)(gao)(gao)(gao)(gao)新(xin)(xin)技術(shu)(shu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)一(yi)(yi)直是近幾(ji)年各地區(qu)(qu)政(zheng)府促進(jin)(jin)(jin)(jin)(jin)(jin)經(jing)濟(ji)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)(zhong)(zhong)要(yao)(yao)(yao)產(chan)(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。在(zai)(zai)(zai)高(gao)(gao)(gao)(gao)(gao)新(xin)(xin)技術(shu)(shu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)過(guo)(guo)程(cheng)中(zhong)對(dui)(dui)于(yu)(yu)(yu)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需(xu)(xu)求(qiu)(qiu)較(jiao)高(gao)(gao)(gao)(gao)(gao)，無論(lun)是研(yan)發(fa)(fa)(fa)(fa)(fa)項目(mu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，還(huan)是相(xiang)(xiang)關(guan)基(ji)(ji)礎(chu)(chu)設(she)施的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)建(jian)設(she)，都需(xu)(xu)要(yao)(yao)(yao)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)金來(lai)(lai)(lai)(lai)(lai)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)支(zhi)持(chi)。而商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)通(tong)(tong)(tong)(tong)過(guo)(guo)與(yu)高(gao)(gao)(gao)(gao)(gao)新(xin)(xin)技術(shu)(shu)領(ling)(ling)域(yu)(yu)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)合(he)(he)(he)(he)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)，針(zhen)對(dui)(dui)性(xing)(xing)地開(kai)發(fa)(fa)(fa)(fa)(fa)理(li)(li)(li)(li)財(cai)(cai)(cai)(cai)和(he)(he)融資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)租賃產(chan)(chan)(chan)(chan)(chan)品，也(ye)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)在(zai)(zai)(zai)一(yi)(yi)定(ding)(ding)(ding)(ding)程(cheng)度上體(ti)(ti)現(xian)(xian)出(chu)(chu)(chu)對(dui)(dui)于(yu)(yu)(yu)高(gao)(gao)(gao)(gao)(gao)新(xin)(xin)技術(shu)(shu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)促進(jin)(jin)(jin)(jin)(jin)(jin)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)用(yong)(yong)。所(suo)以(yi)(yi)(yi)(yi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)也(ye)應(ying)(ying)該(gai)(gai)(gai)(gai)通(tong)(tong)(tong)(tong)過(guo)(guo)與(yu)高(gao)(gao)(gao)(gao)(gao)新(xin)(xin)技術(shu)(shu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)合(he)(he)(he)(he)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)式(shi)(shi)，由(you)此(ci)(ci)(ci)實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)投(tou)資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)領(ling)(ling)域(yu)(yu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)拓(tuo)寬，控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)融資(zi)(zi)(zi)(zi)(zi)(zi)(zi)(zi)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。(四)完(wan)善(shan)(shan)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)。完(wan)善(shan)(shan)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)提(ti)(ti)升(sheng)其財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)水平(ping)。因此(ci)(ci)(ci)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)構(gou)(gou)建(jian)科(ke)學(xue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)。1.優(you)化(hua)(hua)(hua)(hua)(hua)(hua)(hua)內(nei)(nei)控(kong)(kong)(kong)(kong)(kong)環境。銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)除(chu)了(le)對(dui)(dui)于(yu)(yu)(yu)傳統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)存(cun)貸款業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)指標加(jia)(jia)(jia)(jia)強(qiang)(qiang)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)以(yi)(yi)(yi)(yi)外(wai)，還(huan)應(ying)(ying)該(gai)(gai)(gai)(gai)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)對(dui)(dui)于(yu)(yu)(yu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)(zhong)(zhong)視程(cheng)度。無論(lun)是管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)會計(ji)(ji)(ji)相(xiang)(xiang)關(guan)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)展(zhan)(zhan)(zhan)，還(huan)是商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)日(ri)常管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)制(zhi)(zhi)(zhi)(zhi)度，都應(ying)(ying)該(gai)(gai)(gai)(gai)以(yi)(yi)(yi)(yi)完(wan)善(shan)(shan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)體(ti)(ti)系(xi)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)約束。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)結(jie)(jie)合(he)(he)(he)(he)現(xian)(xian)階段財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需(xu)(xu)求(qiu)(qiu)，針(zhen)對(dui)(dui)性(xing)(xing)地來(lai)(lai)(lai)(lai)(lai)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)環境的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)完(wan)善(shan)(shan)，同時(shi)(shi)結(jie)(jie)合(he)(he)(he)(he)內(nei)(nei)部(bu)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)體(ti)(ti)系(xi)開(kai)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具體(ti)(ti)情況(kuang)，不(bu)斷(duan)地加(jia)(jia)(jia)(jia)強(qiang)(qiang)對(dui)(dui)于(yu)(yu)(yu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評估工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)。通(tong)(tong)(tong)(tong)過(guo)(guo)專職進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信息(xi)(xi)(xi)披露工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)模(mo)(mo)式(shi)(shi)，使財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)展(zhan)(zhan)(zhan)更(geng)加(jia)(jia)(jia)(jia)公(gong)開(kai)透明。2.加(jia)(jia)(jia)(jia)強(qiang)(qiang)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)監督(du)。對(dui)(dui)于(yu)(yu)(yu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)信息(xi)(xi)(xi)及(ji)(ji)整個(ge)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)活(huo)(huo)動(dong)(dong)(dong)，都應(ying)(ying)該(gai)(gai)(gai)(gai)以(yi)(yi)(yi)(yi)客觀的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)審(shen)(shen)(shen)(shen)計(ji)(ji)(ji)系(xi)統(tong)及(ji)(ji)全員監督(du)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)模(mo)(mo)式(shi)(shi)來(lai)(lai)(lai)(lai)(lai)實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)水平(ping)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)提(ti)(ti)升(sheng)，對(dui)(dui)于(yu)(yu)(yu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)監管(guan)(guan)(guan)(guan)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)也(ye)應(ying)(ying)該(gai)(gai)(gai)(gai)及(ji)(ji)時(shi)(shi)地進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)效的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)落實(shi)(shi)(shi)(shi)(shi)與(yu)調整。同時(shi)(shi)，在(zai)(zai)(zai)大(da)數據技術(shu)(shu)不(bu)斷(duan)運營(ying)(ying)發(fa)(fa)(fa)(fa)(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)礎(chu)(chu)上，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)結(jie)(jie)合(he)(he)(he)(he)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)數據的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)變化(hua)(hua)(hua)(hua)(hua)(hua)(hua)情況(kuang)與(yu)競爭對(dui)(dui)手(shou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)營(ying)(ying)信息(xi)(xi)(xi)，針(zhen)對(dui)(dui)性(xing)(xing)地來(lai)(lai)(lai)(lai)(lai)對(dui)(dui)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)調整，同時(shi)(shi)將數據作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)為(wei)(wei)(wei)(wei)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)(zhong)(zhong)要(yao)(yao)(yao)基(ji)(ji)礎(chu)(chu)，實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)理(li)(li)(li)(li)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)。3.加(jia)(jia)(jia)(jia)強(qiang)(qiang)溝通(tong)(tong)(tong)(tong)。由(you)于(yu)(yu)(yu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)要(yao)(yao)(yao)求(qiu)(qiu)整個(ge)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)各個(ge)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)流程(cheng)與(yu)活(huo)(huo)動(dong)(dong)(dong)都實(shi)(shi)(shi)(shi)(shi)現(xian)(xian)有(you)(you)(you)效的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)控(kong)(kong)(kong)(kong)(kong)模(mo)(mo)式(shi)(shi)，所(suo)以(yi)(yi)(yi)(yi)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)(ying)該(gai)(gai)(gai)(gai)結(jie)(jie)合(he)(he)(he)(he)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)開(kai)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具體(ti)(ti)需(xu)(xu)求(qiu)(qiu)，針(zhen)對(dui)(dui)性(xing)(xing)地在(zai)(zai)(zai)整個(ge)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)中(zhong)召開(kai)關(guan)于(yu)(yu)(yu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)溝通(tong)(tong)(tong)(tong)活(huo)(huo)動(dong)(dong)(dong)。這(zhe)樣(yang)不(bu)但(dan)(dan)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)提(ti)(ti)高(gao)(gao)(gao)(gao)(gao)整個(ge)銀(yin)(yin)(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)(dui)于(yu)(yu)(yu)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重(zhong)(zhong)(zhong)(zhong)視程(cheng)度，同時(shi)(shi)也(ye)能(neng)(neng)(neng)(neng)(neng)(neng)夠(gou)(gou)(gou)(gou)及(ji)(ji)時(shi)(shi)發(fa)(fa)(fa)(fa)(fa)現(xian)(xian)現(xian)(xian)階段財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)管(guan)(guan)(guan)(guan)理(li)(li)(li)(li)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)(zuo)中(zhong)存(cun)在(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)足，由(you)此(ci)(ci)(ci)為(wei)(wei)(wei)(wei)財(cai)(cai)(cai)(cai)務(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)科(ke)學(xue)控(kong)(kong)(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)帶(dai)來(lai)(lai)(lai)(lai)(lai)幫(bang)助(zhu)(zhu)。

五、結論

通過結合S商(shang)業銀行案例，發現雖然S商(shang)業銀行經營發展(zhan)情況比較好(hao)，但是還是存在一(yi)定財務(wu)(wu)風險，并(bing)基于S銀行財務(wu)(wu)風險管理工作開展(zhan)的(de)具體(ti)情況，提出了商(shang)業銀行財務(wu)(wu)風險管理工作的(de)完善建議。

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作者:周寒 王月(yue) 單位:遼寧對(dui)外經貿(mao)學院