The new basle agreement represents the advanced risk management and supervising technology . with the coming and global implimenting of new basle agreement, it has no doubt that it has been affecting domestic banking risk management, especially for the four state-owned commercial banks 新资本协议代表了当今先进的风险管理水平、监管理念与实践,这也对我国商业银行的风险管理提出了巨大的挑战。从我国的现状来看,商业银行的风险管理尚处于起步阶段。