the new basle agreement represents the advanced risk management and supervising technology . 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 新資本協(xié)議代表了當(dāng)今先進(jìn)的風(fēng)險(xiǎn)管理水平、監(jiān)管理念與實(shí)踐,這也對(duì)我國商業(yè)銀行的風(fēng)險(xiǎn)管理提出了巨大的挑戰(zhàn)。從我國的現(xiàn)狀來看,商業(yè)銀行的風(fēng)險(xiǎn)管理尚處于起步階段。