Research On Risk Management Of Commercial Banks In China

The U.S.subprime mortgage crisis broke out in September 2007 continued to in-depth development, the global economic growth slowing, and the international financial system has also undergone an unprecedented impact.Intensified in the sub-prime crisis,is sweeping the global economy and financial system, also becoming a test of the world's financial system and risk tolerance.So far, the crisis has caused many of the world-renowned financial institutions in bankruptcy and triggered a worldwide financial crisis.Analyze the reasons for the subprime mortgage crisis, we can conclude that there many reasons.In the short term, China's commercial banks in the current financial crisis as a direct impact is limited, but denied that the loss of China's financial sector is still very great. The financial crisis increased economic instability, the domestic economy is also very risky. Not only increased the risk of the banking sector, some industries in the field of credit risk, customer risk groups,real estate, credit risk, operational risk sheet, operating risks,risks of foreign investment and financing will become increasingly evident. To alleviate the devastating subprime mortgage crisis, early prevention is essential,after the remedy is not helpful.All along, the commercial banks are the backbone of China's financial industry, large numbers of non-bank financial institutions can not change the fact that pillar of the status of commercial banks,commercial bank risk management in the emergence and development of our country has experienced a long development, made some results,but there are still many real defects,need to continuously improve the development of the future, the sub-prime crisis is reminded that we should strengthen risk management of commercial banksBased on U.S.sub-prime crisis occurred as the background, from a commercial bank risk management, the meaning and the characteristic, the use of finance, economics, risk management and other related theoretical knowledge of the U.S.subprime mortgage crisis a few main reasons: macroeconomic environmental change,lack of bank's internal management and external supervision and so ineffective.Then combined with the U.S. sub-prime crisis on global financial markets and risk management of commercial banks in China's current situation, there is to focus on a specific commercial bank in China to resolve and prevent the risk of specific countermeasures.