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由于我国目前的科学进步程度和如今逐渐加大的市场竞争压力,如今的社会融资方式发生了变化,这些变化使得商业银行在技术、产品创新和服务能力方面加快了步伐。我国在金融衍生品的发展方面还是比较初级,但是随着我国综合国力的提升,我国目前的金融衍生品交易规模也在不断扩张,交易的品种也从以前的单一变得丰富起来,并且在创新方面也与日俱增。但是从长远的角度来看,我国在金融衍生品的有些方面还是有所欠缺,比如说我国对商业银行金融衍生品的管理就不够严密和安全,存在着一定的风险,这对我们国家未来发展商业银行金融衍生品有着重要影响。本文将通过对金融衍生品的介绍和金融衍生品的特点简述,来简要分析一下我国在商业银行金融衍生品管理方面的风险问题,并提出一些针对风险管理的意见和措施。
Due to the current level of scientific progress in our country and the increasing pressure of market competition nowadays, the ways of social financing have changed. These changes have accelerated the pace of commercial banks in terms of technology, product innovation and service capabilities. However, with the improvement of our country’s overall national strength, the scale of the current financial derivatives trade in our country is also constantly expanding. The variety of the transactions has also been enriched from the previous one, Aspects are also growing. However, in the long run, our country still has some deficiencies in some aspects of financial derivatives. For example, our country’s management of financial derivatives of commercial banks is not rigorous and safe, and there is a certain risk, which will affect the future development of our country. Commercial bank financial derivatives have a significant impact. This article will briefly analyze the risk of our country’s financial derivatives management of commercial banks through the introduction of financial derivatives and the characteristics of financial derivatives, and put forward some opinions and measures for risk management.