Research On Operation Risk And Corresponding Strategies Of Commercial Rank

With the development of economic globalization ,the risks of financial are also increasing, promoting it to improve the awareness of risk management of financial institutions, our country's financial circles also face the challenges which caused by the economic globalization. Credit risk is one of the primary risks that the whole financial field confronts. The financial realm in our country is also facing up to great credit risk, this has been the huge obstacle that impedes the development of economy. financial innovation increase the operational risks of the banks, and the risks of interest rate,exchange rate and monetary policy enhance the operational risks of the bank. After entering World Trade Organization, Chinese finance opening up to the world entirely, the foreign capital speeds up its steps to enter the market of the banking industry of our country, competes with the commercial bank of our country to share, the market. Therefore, On the eve of the historic challenge which the bank reform of China faces to, how to find a solution to deal with the system defects of risk management of China's commercial banks as well as establish risk management system rapidly to coordinate the actuality of our country ,it's a difficult problem before us.This paper mainly analyzes the following aspects: Firstly, introduces the connotation of the credit risk of commercial banks and some major credit rating methods. Meanwhile, analyzes the impact which the credit risks make to the operation security of commercial banks. Then research the influence which the credit ratings of companies at home or abroad make to the operation security of commercial banks. Next, respectively form the aspects of interest rate risk, exchange rate risk, risk of monetary policy and capital market's price surge to analyze the impacts of market risk affecting the operation security of commercial banks. Newly, summarizes foreign banks' development in China, analysis of the impacts which foreign banks' operating scale and business scope act on the security of commercial banks of China. Finally, proposed to deal with commercial banks operating risk strategy. From five aspects as following: interest rate risk, exchange rate risk , the risk of monetary policy, capital market risk of price fluctuation, as well as the risk of financial market's opening up.