Enterprise Risk Management And Key Points Risk Control Of Trust And Investment Corporation

The "New Basel Agreement" enacted in June 2004 puts forward three pillars in banking supervision. That is the minimum capital requirements, external supervision and market discipline, which reveals the risk management direction in the international banking business, and is bound to have an enormous impact to the risk management idea in the domestic financial business. The State-owned Assets Supervision and Administration Commission of the State Council (SASAC) has issued the "The Comprehensive Risk Management Guidelines for Central Government-led Enterprises" in June 2006. These guidelines have provided directions for guiding enterprises to develop comprehensive risk management, further improving the corporate management level, enhancing enterprise competitiveness, and promoting the steady development of corporate.How to implement the comprehensive risk management in trust companies? It can be fulfilled by operating the basic flow of risk management through all aspects of business management, by cultivating a good risk-management culture, by establishing and improving a comprehensive risk management system, which including risk management strategies, risk finance measures, the organizational functions system of risk management, the information system and internal control system of risk management, so as to providing reasonable assurance for achieving the overall objective of risk management. The purpose of comprehensive risk management is to realize the whole process of risk management control in the business operation. Considering the flexible business models and innovative type of business in trust companies, The act of enhancing the risk control competence, building sound risk control system, and realizing the front end control of risk is becoming the core of comprehensive risk management under the premise of the absence of quantitative models and batch processing.This thesis reviews the development process of comprehensive risk management, introduces briefly the achievement in the comprehensive risk management research completed by domestic and foreign scholars. This thesis also elaborates the research background and significance of comprehensive risk management system. This thesis takes the empirical study as foundations to discuss the establishment of comprehensive risk management frame, the risk control flow and the strategy of risk control in Trust company. Finally, this thesis discusses the modular design of comprehensive risk management information system. The purpose of this thesis is to help the Trust company formulate and implement comprehensive risk management strategy.