Banking Risk And Regulatory Research

Finance is the core of modern economy and stable, successive and high -efficient operation of banking, the main body of financial activities is the gurantee of the development of modern economy. So banking risk and the monitor and management of it have been considered important theses in modern economic theory and operation.Focusing on banking risk, a specific category, this paper is trying to do theoretic researching work and put forward a blue print of construction and regulations on the base of combination of risks and monitor and management. The general thinking clue of this paper is as following: to make sure of connotation of banking risk from basic theory and practical operation, to analyse causes of formation of banking risk, to find out the rules of banking risk, to do further research of regulation of monitor and management of banking risk, state principles and methods of monitor and management, to look for theoretic tactics and technical methods of avoiding risks both at home and abroad and to provide some plans for reducing banking risk at the greatest passible degree.This paper consists of four chapters. Chapter One is an introduction to banking risk, dealing with connotation, characteristics, classification, causes on formation, comment of theoretic research and historical development of banking risk and substantiation of the particular causes and representation of our country's banking risk.Chapter Two is a practical analysis of banking risk. On one hand, the paper analyses the background of international banking risk, discusses some examples of banking risks happened both in the past and present and summarizes some regularities of occurrence of risks in international banking. On the other hand, the paper analyses forms of risks' presentation, characteristics and causes in our country's banking field so as to draw out particular regularities in our country's banking field.Chapter Three is a research of regulations of monitor and management of banking risk. It's mainly to expound necessities and general regulations of monitor and management from theoretic aspect to summarize historical development and operation of monitor and management in international banking field, to explaingeneral regulations, systems, principles and technical methods of monitor and management, to comment on the operation of monitor and management of our country's banking and to forecast the future development of that.Chapter Four is a grope for patterns of monitor and management in our country's banking. The main task of it is to carry out reforms in three fields with the help of effective experiences of banks in other countries. The first reform is to adjust and to build up an all ~ way, legal and effective system of monitor and management. The second is to take the initiative in building a new system. The third is to improve technical methods of monitor and management and to build up a careful and number - controlled system. The paper has just put forth specific plans and techniques of operation, resulting in a better solution to monitor and management of banking risk.This paper has its novel features in the following paints: in the comprehensive monitor and management of banking risk, in the analysis of standard economic theory, in the comprehensive and systematic statement of 'regulations of monitor and management of banking risk, in the construction of reform of tactics in the effective monitor and management in our country's banking field.