Innovative Risk Management Of China's Commercial Banking Business Research

After twenty years evolution, the commercial bank becomes the main body of our financial industry under the supervision of central bank. With more competition in the trade of bank, non-bank institutions enter into the trade of bank and many foreign capital financial institutions swarming into China, our commercial bank must leave on the financial innovation-the motive power of financial industry. With continuously creating more new commercial banking business, bank could earn much more income and profit. At the same time, the new commercial banking business produce much financial risk, so we have to put much emphasis on the risk management.The article firstly introduces the major content of west financial innovation and the actuality and tendency of financial innovation of our commercial bank, analyses the general cause of the innovation risk.It indicates that the innovation risk marjory derived from three aspects: the single property rights of the commercial bank; the imperfection of the interior controlling institutions and the lagged exterior supervision. According to these questions, we could find the material countermeasures: scientific property rights should base on the stock reforming, control the agent's "seeking rent" behaviour, eliminate the controlling of state stock; Bank should firmly circumfuse operational, informatics, normal objects, make out rigid interior institutions; Considerated our financial material situations, the institution of supervision should integrate the interior supervision and exterior supervision and leave on indirect supervision. We should fast establish a leading supervision system without changing the segregation situation, so as to support a better environment for innovation and also better keep away innovation risk.