The Study On Risk Management Of Chinese Commercial Bank

As the banks are unique, the deepening of reform in recent years, the risk of building up the bank is gradually exposed, not only to restrict the healthy development of the banking industry, but also could jeopardize the economic development and social stability of the overall situation has become urgent to solve the One of the major economic issues.Commercial bank risk management mechanism is sound or not, directly related to the bank's degree of risk and risk management capabilities. In China's state-owned commercial banks in the current risk management system, there are many problems in the state-owned commercial banks increased business risks and financial risks. To this end, we must innovate risk management system to improve the commercial banks, corporate governance structure, risk management re-organization system, build risk management systems, infrastructure, achieve accurate and timely manner all of the risk measure, analyze, prevent and resolve.In this paper, an overview of the commercial bank risk management related to the theory, followed by the introduction of foreign bank risk management theory and Its Implications for China and enlightenment, and then analyzes the risk management of China's commercial banks manifestations, characteristics and risks of the causes, the last of China's Commercial Bank Risk Prevention and put forward countermeasures and suggestions to resolve.