The Research Of China's Commercial Bank Risk Management Information System

The competitiveness and the operation capacity of commercial banks depend largely on the comprehensive and effective risk management. In recent years, the expansion of the scale of the commercial banks, the enrichment of the financial products, and the rising risk for the business and new products all offered a topic for us in the aspects of risk management mechanism establishment and profit making under risk-based pricing strategy. With the application of advanced information technology and risk management methods, risk management system, as an important component part of risk management, becomes core facility and competitive tool in the commercial bank management and business operations, and gradually turning into important means of making profits for the commercial banks.The article starts from the Risk Management Information System in China's commercial banks, focusing mainly on the theoretical basis, characteristics and types of risk management information system, and ends with the structure analysis of commercial bank risk management information system. Then, through an analysis of domestic and foreign commercial bank risk management, the article clarifies the importance of risk management informatization in a modern commercial bank. Meanwhile, the article also compares the risk management information system used in commercial banks both domestic and foreign, and explains the differences. Based on which, combining with the research on the study of Risk Management Information System and the author's own experience, the article analysis the problems, and gradually generalizes the limitation of present Risk Management Information System used in the China commercial banks. Through the information system development and implementation of research for financial advisors information management, focusing on system development process and how to avoid the problem which has analyzed in artical.The construction of Risk Management Information System in commercial bank in China is a long and arduous work. Hope that this study could clear the working objectives and make significant contribution to the building of comprehensive risk management information system in the commercial banks in China.