The Monetary Risk Of Enterprise & The Risk Management Service Of Commercial Bank

As the economy continues to develop, the monetary risk faced by the business process, such as increasing raw material prices, interest rates, and exchange rates continue to dramatic changes, due to asymmetric information leading to realization of the various receipts and payments, etc., caused great obstacle to the continuing operations of enterprises. That prompted the company began to seek to avoid a similar currency risk, but most companies lack experience in risk management for the enterprises have been unable to bear the currency risk through its own ability to circumvent. Therefore, companies hope to introduce someone from outside of it to manage their own risk.Commercial banks operating monetary operations of the specialized enterprises, in terms of scale or scope from the currency business are much higher than other types of enterprises. The competition among commercial banks, along with the continuous development of external economies and the expanding of business and operational areas and the depth of further exacerbated, more and more complicate. Since the state for the deposit and lending rates of poor control, the traditional deposit and loan business has been the development cannot meet the requirements of commercial banks; commercial banks began outside of the traditional deposit and loan business to seek new profit growth point - intermediate business. One compound of the intermediary business - risk management services is able to meet the needs of both enterprises and banks.Therefore, this article analysis the monetary risk faced by nonbanking-enterprises, and the commercial banks'possibilities and advantages to provide risk management services to the business, resulted in commercial banks to develop risk management services not only improve their own profits at the same time for business monetary risk management, and thus to achieve a win-win situation. After the analysis the development of risk management services of domestic and foreign commercial banks, the article come to a conclusion that domestic commercial banks should learn from foreign counterparts, experience and inspiration. As the domestic and foreign commercial banks are currently not carried out specifically for enterprise risk management services, therefore, this paper also designs the system process of risk management services. Finally, propose the internal and external construction that the commercial banks to develop risk management services should be carried out.