中文摘要：

将金融机构的风险管理和价值创造相联系,从理论角度分析了风险管理在增加公司价值方面的作用,在此基础上构建了基于价值创造的金融机构风险管理新框架。该框架采取与价值战略更为融合的全面风险管理模式,力求在公司的风险容忍度内,实现公司价值增加这一最终目标;同时该框架将资本管理与风险管理有效融合,能够长期最优化公司收益与风险之间的动态关系。

英文摘要：

By linking the risk management with value creation,the paper provides a theoretical analysis of the positive effects of the former on firm value,and develops a new risk management framework based on value creation for financial institutions.Integrating ERM and capital management,the new framework can enable a firm to maximize its overall value at a controlled risk level and optimize the dynamic relationship between its risk and income in the long term.