Intermediary Business Risk Management In Commercial Bank Of China

With the environment of commercial banks changes, such as the globalization of the global economy, the integration of the global financial, and electronic banking business, in order to satisfy customers to improve transaction efficiency, intermediary business develops rapidly these years. Intermediary business brings more profitable for commercial banks, but also brings many inevitable risks. Therefore, the intermediary business risk management becomes very important for a commercial bank risk management.The risk management of commercial bank is a theory with vaster and abundant content, while the risk management of intermediate business is only a smaller sub- topic among those. According to this reason, before discussing risk management issues of intermediate business of commercial banks, we must make a general overview for risk management of commercial banks. This paper describes the process of historical evolution of the risk management theory of commercial bank, also introduced some experience abroad, including the Basel Committee's regulatory documents related financial requirements and the practical business experience of western commercial banks. The Basel Committee updated and optimized the relevant regulatory documents continuously according to the latest trends of commercial bank. And this is the essence of experiences in risk management. So, it is not only significant for commercial banks in developed countries, but also important for risk management of intermediate business of Chinese commercial banks.The credit card business and automatic teller machine (ATM machine) business are two important intermediate business of commercial bank which is used more and more popular in our country. However, due to the technical safety of these operations is relative high and the business requirements are too trivially, in practice there are many risk cases. The occurrence of these cases affect the profits of commercial banks, and people's confidence in commercial banks, so the commercial bank will be negatively affected more or less. This paper selected two examples as a representative case. First, describe the cases, then, explain the revelation of these cases, finally, to analyze the reasons behind the case and comment them.Because there are still many problems in China's practice of risk management of intermediate business, so at this stage there are still many problems need to be improved. This paper tries to discuss measures to prevent risks of intermediate business and propose a series of advices according to risk management situation of intermediate business of commercial banks.