The Middle Of The Commercial Banks In China Business Risk Analysis And Prevention

As the economic in our country developing so fast and the environment of our banks having changed so much, Chinese commercial banks are facing the intensive competitions all-round with foreign institutions in the field of finance, and among them the focus of competitions is intermediary business. With the prosperities of intermediary business, the managing of business bank's intermediary business risks was put into agenda.At present, although intermediary business has not caused distinct risky influences on intermediary business, seen from long-run, it will become a future developing trend in extending business and gaining non-interest incomes, we can't neglect the latent risks of the intermediary business. It is important and practically meaningful to business banks in promoting its rapid growth of intermediary business, enhancing its competing capacity and risk prevention of intermediary business.Now in China, during the course of operation of the intermediary business, due to the imperfection of constitution and stipulation of risk prevention systems, the lag of financial supervising, the shortcoming of risk computation of intermediary business and etc., According to the general theories of risk management and the present state of risk management of domestic business bank intermediary business, this essay discusses the method of intermediary business risk prevention and thinks we should strengthen intermediary business risk prevention as follows: the first is to heighten the risk consciousness to the intermediate business of commercial bank; the second is to strengthen the risk control to the intermediate business of commercial banks; the third is to deepen the supervision of the central bank and supervising departments on the risks of the intermediary business; the fourth is to optimize the external environment of developing intermediate business.