任何经济活动都存在着风险，从古至今几乎找不到没有风险的经济活动。就银行业而言，一方面，其经营活动充满着风险；另一方面，其本身还具有化解风险的功能。在西方市场经济比较发达的国家，防范和化解风险一直都是银行家念念不忘的一本“圣经”。在过去几十年的计划经济... There is a risk to any economic activity, and virtually no unscrupulous economic activity has been found since ancient times. As far as the banking industry is concerned, on the one hand, its business activities are full of risks; on the other hand, it also has the function of resolving risks. In countries with more developed market economies in the West, preventing and resolving risks has always been a bible for bankers. In the past decades the planned economy ...