摘要:我国银行业是金融业对外投资的主力军，而跨国经营是我国商业银行将来扩大规模、实现盈利增长的方式之一。目前中资商业银行跨国经营面临着国内外的新形势，特别是金融危机，既为中资商业银行跨国经营带来了威胁，也为其提供了更多的机会和挑战。合理应对新形势将使中资商业银行跨国经营迈出坚实的一步。本文参照国内外大型银行典型经营风险案例，对中资商业银行跨国经营风险进行分析评价，并且从汇率风险、操作风险、国家风险、整合风险四个主要方面，提出对应的防范措施，如建立完善的风险内控机制，加强对国家风险的定量分析，提高银行内部监控的能力，以便及时有效地运用金融工具规避预期的金融风险。

关键词：商业银行，跨国经营，风险管理，防范措施

Abstract:China's banking industry is the main force of the financial sector for foreign investment, and transnational operation to Chinese commercial banks will expand the scale to achieve profitable growth in one way. Nowadays, the transnational operation of Chinese commercial banks is facing the new situation at home and abroad. Especially, the financial crisis, it not only brought a threat to the transnational operations of Chinese commercial banks, but also providing them more opportunities and challenges. Reasonable response to the transnational operations of the new situation will allow the Chinese commercial banks to have a solid step forward. In this paper, transnational business risks of Chinese commercial banks were analyzed and evaluated with reference to the typical business risk case of large banks at home and abroad, and according to four main areas: the exchange rate risk, the financial risk, the country risk, and the integration, it  put forward some corresponding preventive measures, such like establishing a sound internal risk control mechanisms, strengthening the quantitative analysis of country risk, improving the ability of banks internal control, for timely and effective use of financial instruments to avoid the expected financial risks.

Key words: Commercial Bank, Transnational Operation, Risk Management, Preventive Measures