Research On The Risk Management Of Banking Consolidated Operating

Research on risk management of banking consolidated operating is very important for theoretical research and realistic guiding significance.The paper has eight parts; main contents and views of each chapter are as follow:The introduction mainly demonstrates the research aims and significance, concept discrimination, and methodology.Chapter one mainly analyzes basic theory of financial conglomerates. For example the theory of economies of scope, economies of scale, theory of transaction cost, portfolio theory be involved. Risk management in the process of evolution has obvious three characteristics: risk control to risk management into a single comprehensive risk management to the transformation of risk management, quantitative analysis of qualitative analysis to the transformation. Finally, the domestic and foreign commercial banks have been integrated operational risk management in accordance with the literature whether a consolidated income, to spread the risks and can not spread the risks, no clear conclusions of the four aspects of the system, at different levels of review and sort out. More theoretical analysis and a literature review of the article on the theoretical cornerstone of the bank consolidated operating from economies of scale and scope of economic pursuits, from the demand for risk diversification, to reduce transaction costs of the banks of the comprehensive management of the force, unchanged The financial functions of banks in accordance with the needs of the market choice of comprehensive management.Chapter two mainly analyzes the social background and history of banking in order to research institutional origins of it. The development of banking can be divided into four stages. Comprehensive analysis of the foreign banks operating system and change the course of the path, from a bank to start business professional, experienced a mix of natural, sub-sector, integrated management, and other four stages. Always with the banking system and economic development in the changing economic environment, citing the performance of junior level to senior continue to evolve, domestic banks are no exception, integrated management is an inevitable choice for China's banking system model. Domestic banks have been actively carry out comprehensive management, its power comes from the development of information technology, banks need to cope with international competition and the need for bank restructuring, and to meet the diverse needs of customers's.Chapter three, risk of financial conglomerates are be analyzed. Bank consolidated operating risks can be divided into two levels, risk of the financial holding company and the risk of financial holding company subsidiaries .Due to the domestic industry generally believe that the financial holding company is the best choice, we agree with this view . A risk of two levels is overlapping. Finally we analyze the mechanism of risk transmission.Chapter four, based on the research of the world ,hypothetical mergers among commercial banks, insurance, security are used to analyze the potential risks and returns of commercial banks in China. The mergers according to the company level data show that the insurance and security business would have increased the returns of banks, and decreased the bank risks as a whole.Chapter five mainly concerns the experience of large foreign banks risk management. Banking of china can learn the experience from abroad about risk management system, organizational framework, risk management techniques and models, as well as risk management culture.Chapter six mainly gives a research on the measures how to build China's comprehensive operational risk management System.Chapter seven concerns external risk monitoring mechanism of the inadequacy of existing regulatory system, called for the establishment of comprehensive management's risk management regulatory of china.Innovations of this paper are as follows:First, it is about concept. The Dissertation define the concept of comprehensive management. The concept of comprehensive management and other concept are used together. But they have different implication。Second, it is about the research topic. Now, although researchers do some theory and practice study for risk management of banking consolidated operating, but that is fewness. And there is still no the specialize study of this topic. The Dissertation study this topic specialy.Third, it is about the research data. The Dissertation use the latest data for empirical Study of consolidated operating risk diversification,...