A Study Of Enterprise-wide Risk Management System In CMBC Banks

Commercial banks are the core of the modern economy system, also Commercial banks is the special business deal in risks. Commercial bank risk management is directly related to the level of commercial success or failure of the banks themselves, but also related to the economy's safety. Since the date of the birth of commercial banks, risk management, commercial banks would be used as day to day management of the important content. Commercial banks themselves, experts and scholars, international organizations have launched a number of studies of risk management theory and technology tools to Financial instruments, especially in the new Capital Accord, the Basel Committee to carry out a comprehensive risk to the global-banking sector to draw up a new standard.CMBC Zhengzhou Branch was established in June 19,2008, established a short time, business grow rapidness. Rapid development of risk management of the increasing pressure to build as soon as possible in order to credit risk, liquidity risk, operational risk management as the core of a comprehensive risk management system, for the effective implementation of operational and management activities of the escort. This paper build CMBC Zhengzhou Branch of comprehensive risk management system combines the excellent domestic commercial banks, common practice, learn from their successful experiences, and a combination of CMBC Zhengzhou Branch of the actual situation in their own operation and management, while a clear case of comprehensive risk management issues solution, for the CMBC Zhengzhou Branch improve risk management and enhance core competitiveness to become the customer preferred bank, it is of great significance.This paper first describes the overall risk management of commercial banks related to the theory. Second, drawing on excellent domestic commercial banks, the successful experience of CMBC Zhengzhou Branch constructed a comprehensive logical system of risk management. And then focuses on the CMBC Zhengzhou Branch credit, liquidity and operational risk management system was key research. Finally on the CMBC Zhengzhou Branch of comprehensive risk management system in addressing the issue of individual countermeasures and suggestions put forward.