关键词: 风险管理, 内部利益冲突, 伦理治理

Abstract: The greatest problem in risk management of credit of business banks is that the risk management is out of order and even become invalid,this resulted from inner conflict of interests.The conflicts of inner interests of banks,such as conflicts of personal power of workers of credit with interests of organizations,immediate interests with long-term interests,have been examined the gate of risk management at all time.These conflicts of interests are concealed for the traits of risks.In order to implement risk management,we must keep balance among relevant interests by the means of ethical administration.

Key words: Risk management, conflicts of inner interests, ethical administration