Core Risk Prevention And Management For The Commercial Bank Branch In Central China

The banking system of China are facing great opportunities and challenges which it had never faced, since China are under the circumstance of economic globalization, the financial freedom, the incorporation. Risk is accompanied with the commercial banks since the birth of them. The provision of financial services is the process of taking and controlling the risks. Bank risks not only include the single credit risk, but also include complex credit risk, such as interest rate risk, market risk, liquidity risk, reputation risk, operational risk, legal risk, strategy risk and so on. Among the all risks, the strategic risk, credit risk and operational risk constitute the core risk of the operating process to the branches of central joint-stock commercial banks. How to guard against and control these three categories of risks becomes an important issue in the development of a branch-level joint-stock commercial bank.The thesis is based on three core risks, it makes a deep analysis on the construction of central brach-banks of unified standards on credit metrics model. The development of operational risk prevention and control system exist in commercial exchange.(1) Construct eight elements of the prevention of the strategy risk of the central branch-banks.The direction of the bank is decided by the development strategy of the bank, and it is the main risk on the sustainable development of the bank. Many of the existing literature are made research on the front head office, branches around the level of risk research strategy is rare in literature. The thesis is concentrated on the strategy risk of central brach-banks, based on the analysis of "capital constraints, market-oriented interest rates, the mode of development, environment" on the banks., analyzing a large number of objective and comprehensive data and cases about the joint-stock banks "Zhengzhou phenomenon". This article is around the actual development of the central area, through empirical research, getting the eight elements of the prevention on strategy risk,that is rate of expansion, target customers, core business competitiveness , business strategy, management technology, comprehensive management, risk management culture and implementing external brand strategy, the aim is to build a management strategy to the central region with the economic and social development level to abandon the traditional asset-driven model of extensive, intensive implementation of the scientific development of the draw.(2) Construction of the index on the Gini coefficient to measure the concentration of credit indicators The concentration of the loans of the joint-stock bank in the central area is the main credit risk, and the "herding effect" to developed areas, high-profit industry, large enterprises focus on large projects are gradually shown."Ten loans," as the existing concentration of indicators to measure credit, are put by corporate bodies, in different sizes, when it is used in different levels of the bank's branch-level illegal organization, it will show flaw. This thesis is based on the Gini coefficient of concentration of credit indicators model, and the simple data extreme measure is replaced by introducing of full-calibre data. The thesis also use Lorenz equations and geometric algorithms algorithm model, by the empirical analysis of the seven bank, branch-level , positive results show that the index of the concentration of loans based on the Gini has a better applicability and can give a better basis to the prevention of the bank credit risk.(3) construction of commercial draft operational risk modle based on the f information-sharing regulation.Notes cases arising from operational risk, have occupied a branch-level commercial banks the loss of half of the above. Due to the existence of asymmetric information between banks, the traditional "outside the Governor audit" model can not be cross-regional prevention and control in a timely manner, both within and outside the paper's collusion cases. In order to achieve inter-bank market instruments to share information, create a paper-based information sharing platform at the core of the regulatory model, by pooling the basis data of the commercial draft, on the basis of the inter-business bills Gouji mainly to the risk of rules, the acceptance does not match the discount rate (Big Head small tail) , and through the analysis of the circulation of bills, monitoring instruments and omissions, and to supervise the circulation of the entire process of instruments. A system base on the theory that is used in one province in the central area has restrained legal cases on bill successfully and lower the operational risk of the branch-bank. The thesis notes the first time on the quantitative analysis in the banking market microstructure, making empirical analysis of the functioning of commercial bills of exchange of micro-features, and making a good support of data for further standardizing the market instruments.