[摘要]：

在传统的金融活动中，金融机构被视为是进行资金融通的组织和机构；但是，随着现代金融市场的发展，现代金融理论则强调，金融机构就是生产金融产品、提供金融服务、帮助客户分担风险同时能够有效管理自身风险以获利的机构，金融机构盈利的来源就是承担风险的风险溢价。因此，在现代金融市场中决定一家金融机构竞争力高低的关键和核心，就是其能否有效地对风险进行全面有效的管理，能否积极主动地承担风险、管理风险、建立良好的风险管理架构和体系，以良好的风险定价策略获得利润。在风险管理方面，西方一些大型的金融机构在长期的经营实践中积累了比较丰富的经验，值得我们予以总结、比较和借鉴。

In tranditional financial activities, financial institution is viewed as a fund-raising or factoring organization or institution, however, with the development of the modern financial market, the modern financial theory focuses on the fact that financial institution is a kind of organization providing financial products and servies ,and sharing the risks with the customers, and meanwhile gaining profit for its valuable management of risk and its risk premium taken. Therefore the key factor to decide whether the financial institution is competitive in modern financial market is whether it has the ability to manage the risk efficiently and completely, and to assume the risk actively,manage the risk and establish the framework and system of risk managment, thus make profit by properly risk pricing. The rich experience in long-term practice of financial institutions in western countries are worth our learning and comparing in our practice.


以上是我妈妈帮忙翻译的,她可是外语专业的金融学博士哦!希望你能满意!