Study On Overall Risk Management Of Chinese Commercial Banks

Overall Risk Management of Commercial Banks covers: 1) nurturing corporate culture of risk management culture; 2) setting up brand-new risk management approach, perfect structure of risk management, effective incentive mechanism and strict internal control system for risk management. This essay applies the principles and methods of management science to study risk management of Chinese commercial banks. Meanwhile, it puts forth suggestions to solve the problems existing in the overall risk management of Chinese commercial banks by adopting the research method of combining theory with practice and drawing from the experience and expertise of western commercial banks in overall risk management. The essay consists of 6 parts, main content of each is as follows.Part I. Risk management has come along with commercial banks because of the internal features of risks of commercial banks and has become an important part of operation and management of commercial banks. The variations of risks and the risk management level both have direct impact on the risk management of commercial banks. In line with the thread of theory and practice development, the risk management evolution of commercial banks can be roughly divided into five phases.