Risk Management Study Of Commercial Banks On Core Competence

The core competence of Chinese commercial banks have effect on not only their own development and survival but also the working efficiency and stability of our financial system in a larger degree. With the advance of Chinese financial market openness, our banks have been facing more complicated risks because of highly vehement market competition. At present, how our banks will enhance, explore, and establish their risk management ability and core competence has become the most impending problem.On the new viewpoint of core competence, the passage connects core competence and risk management of commercial banks organically and innovatively, exposes bank risk position and realistic core competence status, analyses its ultimate reason deeply and the gap between ours and those of foreign advanced banks in comparative method especially, and proposes the realistic ways of enhancing the risk management and competing power of our commercial banks from the basis of central constitution element system of core competence, steady protection element technique and financial ecological condition. The analysis outcome of the passage has important value for reference.The whole passage makes the discussion according to the main trend of risk management being the core competence of commercial banks---the risk management problem and gap influencing commercial banks---the realistic method of enhancing the risk management ability of commercial banks so as to improve their core competence. Firstly, it summarizes the relevant theories of the passage---theories of risk management and core competence; secondly, it sets forth that risk management is the elemental factor of the core competence for commercial banks on the basis of financial media theory and bank business, finds the best balance point between income and loss through building relevant action mechanism model between risk management and core competence so as to reach technique superiority and transfer it into specific market priority, and accordingly realizes the management process of core competence ofbanks from exploring, cultivating to forming the specific market competition priority; thirdly, it analyzes the present main problem of risk management for Chinese banks deeply, points out that the imperfect corporate management structure and internal control mechanism, and scanty applied technique of risk management are the central problem of restricting risk management ability, and compares them with those of foreign advanced banks from internal bank structure, risk management technique and outer environmental factors; at last, it discusses the concrete road and method for enhancing commercial banks'risk management ability and improving their core competence deeply from the point of bank system reform and modern risk management technique. At the same time, financial ecological environment should be optimized so as to enhance the risk management ability and provide core competence superiority with guarantee fundamentally.