The Research On The Risk Management Of Chinese Commercial Banks ,

With the full implementation of the New Basel Accord, many western commercial banks have adopted a strict system of risk management. But Chinese commercial banks are still in their starting phase in risk management. The breakout of American subprime crisis highlights the importance of risk management and gives a serious warning to our banking industry. With the all-round opening-up of Chinese financial industry, China is accelerating its pace to integrate itself into the process of financial globalization. Our banking industry is facing increasingly heated competition and more complicated risks. Thus, under such domestic and foreign circumstances, it is an important and urgent issue of Chinese commercial banks to establish a sound and effective risk management system as soon as possible and to improve the risk management level in an all-round way.The article from domestic commercial banks reality,in-depth analysis and study of the international banking sector in financial risk management aspects of the advanced theory and practice. From the bank rate risk management,internal control and external supervision of bank risk Management techniques that focus on four aspects of China's commercial banks in the risk management aspects of the existing problems and shortcomings,for the existing problems,and put forward practical solutions.China's commercial banks in the risk management that exist in both the underlying causes of the lack of thinking and understanding,but also a system of building defects,and management of technical backwardness.Papers to be a dynamic and comprehensive point of view for China's banking risk management system,on build China financial industry in line with reality and can reach the international advanced level of bank risk management system put forward a series of practical recommendation.