Study On Comprehensive Risk Management Of China's Commercial Bank

According to our country adds the WTO,Finance job of our country was opened on December 11 2006, China enters the whole world economy , the finance unifies gradually. But, commercial bank of our country exists very big gaps in Business scale,manage idea and personnel quality,our country banks face the risk more complicated. The bank only Strengthens the construction of core competitive power,can in an impregnable Position in the competition. The risk management ability is a manifesting of the core Competitive power of commercial bank. New Basel Accord was put into effect in G10. Constructing enterprise-wide risk management with our country commercial bank is An important matter of our country banking industry reforms,modeling the experience Of enterprise-wide risk management with overseas commercial bank.First,this article analyzes the research background and the significance of the Comprehensive risk management system in our country commercial bank and inspects The basic principle and the evolution advancement of the enterprise-wide risk Management in domestic and foreign commercial bank. Next,the author points out The significance for our commercial bank after combined the content and the frame of New Basel Accord and the situation of the enterprise-wide risk management with Overseas commercial bank.Aand the author analyzes the present situation and the Existence problem in the enterprise-wide risk management with our country Commercial bank and points out the factor which the enterprise-wide risk management with our country commercial bank constructs. Once more,the author proposes the new tentative plan of constructing enterprise-wide risk management with our country commercial bank from the idea,the system and the technical,included the construction of the enterprise-wide risk management,the rebuild of the organizational stucuture,the rebuild of the risk management flow and the method of the risk quantification,and so on .Finally,in order to guarantee the effective movement of the enterprise-wide risk management,this artifcle also puts forward some proposals and the safeguard measures to this enterprise-wide risk management.