A Research Into Risk Management Of China's Commercial Banks

Along with the step of the economy globalization, finance liberalize and integration, as well as China's economy marketization and China's join into WTO, China's commercial banks will be faced with development opportunities and challenges never existed before. At the same time, facing the opening of China's finance industry step by step and the entering of commercial banks abroad and their competition, the risk of China's commercial banks also has the trend of enlarging. Although some achievements have been gained in China's banking system reformation and revolution, the problems of the commercial bank are still a lot, and at the initial stage of the economic structure's reformation and entering WTO, it has enlarged the possibility that the bank risk occurs further. Finance risk and crisis problem are very real to our country, and threaten nearby. We must highly attach importance to this, and must adopt the practicable bank risk prevention measures. Guided by Deng Xiaoping's economy theory, and combined with China's commercial banks'joint-stock system reformation and their actual development, this text has carried on multi-sided researches to the commercial bank's risk management problem. It includes the basic theory of commercial bank risk, and the practice of our country's prevention to commercial bank risk. There is the present situation investigation of China's commercial bank risk, and the analysis to cause of commercial bank risk's formation. Also it includes the meaning of commercial bank risk's prevention and management, and discusses the concrete measures of preventing commercial bank risk. At the base of referencing the practice and experience of international banking industry's risk preventing and supervising, especially advanced countries, as well as the summary of experiences and lessons of domestic finance reformation, against concrete show and the characteristic as well as the progress and shortcoming of risk management of China's commercial bank risk at present, it puts forward several principles and practical measures to prevent and manage the risk of China's commercial banks.