With the coming and global implimenting of New Basle Agreement, it has no doubt that it has been affecting domestic banking risk management, especially for the four state-owned commercial banks.

• 新资本协议代表了当今先进的风险管理水平、监管理念与实践,这也对我国商业银行的风险管理提出了巨大的挑战。 从我国的现状来看,商业银行的风险管理尚处于起步阶段。