three-tier banking system

At last, according to the problems of Chinese commercial banks risk management, the author constructs the management system from three perspectives in consideration of the experience of the advanced international banking risk management in combination with the internal and external environment of Chinese commercial banks.

最后根据我国商业银行风险管理存在的问题，借鉴国际先进银行风险管理的成功经验，结合我国商业银行业内外部环境，从三个方面构筑了我国商业银行风险管理体系。

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the three tier banking system

银行三级发牌制度

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For the IT construction of the new system on the banking cards, three keystones has been emphasized, on the one hand, pay attention to the construction of the framework to form the decentralized-matrix organizational management frame.

外部应用系统层。在银行卡新系统IT建设的项目上，一是注重组织构架的建设，形成四个层次的分权矩阵式的组织管理框架；

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