中文摘要：

当前中外金融市场的持续深化和竞争加剧,对中小商业银行风险管理提出了更高更迫切的要求。中小商业银行风险管理体系再造是顺应时代要求,实现自身持久发展的必然选择。本文在探讨新巴塞尔资本协议对银行风险管理要求的基础上,分析了我国中小商业银行风险管理存在的风险管理政策框架不够完善,风险管理流程的标准化程度低等问题,指出我国中小银行风险管理体系再造的关键环节,并提出了构建风险管理政策框架体系,实施业务流程再造等解决对策,旨在为中小商业银行提升风险管理水平提供政策建议。

英文摘要：

With continuing development of the global financial market,the competition becomes more severe for small and medium-sized commercial banks,which makes it urgent and necessary for them to reengineer risk management system.Based on the requirement on the risk management in the New Basel Capital Accord,the disadvantages are investigated in this paper,such as the imperfect policy framework,the low standardization level in the procedure,etc.After the key links in reengineering risk management are explored,the countermeasures are presented：constructing the policy framework,reengineering the business process and so on,in order to enhance the risk management level of small and medium-sized commercial banks.