The Risk Control Study Conducted By Commercial Banks In Our Country At Post-Crisis Era

Since 2008, the economic crisis has had negative influence on the economy across the world, hence the universal depression. This crisis can be divided into 3 phases approximately. The initial one is the debt crisis caused by delayed debt service which led by the housing debtor's disabilities. The second is the liquidity crises led by financial institutions which have not enough liquidity to satisfy the liquidation requirement of creditors because of the preceding debt crisis; Last, people don't trust the financial activities based on the credit, thus a further credit crisis broke out. Commercial banks, as principal organs in financial activities, were hit by this financial crisis in which a large number of banks closed down and the stability of financial system was affected greatly.After the financial crisis erupted, every country adopted corresponding measures. As for America, FRB and United States Department of the Treasury both carried out unconventional measures to meet the challenge, such as, new fluidity management instrument, supporting the financial institution, the most massive financial aid program throughout history and financial regulation system reform etc.In the years since, the global economy experienced an upturn to some extent, along with the crisis defused, step into a relatively stable period-----a Post-crisis era. During this process, easy monetary policy implemented in the crisis period not only injected vitality into the economy, but also led to high inflation. As the influence is fading away, our government must adopt more stable policies to adjust the economic condition. Since Dec 2010, the central bank has increased the interest rates of savings and loans and bank reserve requirements, the monetary policy returned to normal; at the same time, the international banking pays more attention on the risk control management, every country realized the necessity of preventing and controlling various risks, and made policies to improve the regulation on banking system. At the end of 2009 and in the beginning of 2010, China issued Interim Measures for Administration of the Working Capital Loans etc.(saying, three measures and a guide). These measures restrict the corporate finance, and put more pressure on credit operations of commercial banks, and may strengthen the credit risks.Base on the condition during Post-crisis era, we study how our commercial banks control and manage risks. This paper is divided as follow, the first part, the abstract, discusses the basic information of this paper; the second part, the main information, first analyzes the background, goal and meaning of the academic writing, and the study on commercial banking risk management and control at home and overseas; then summarizes the rationale and methods about how commercial banks conduct the risk management; according to the correlation theory, the third part analyzes the main commercial bank risk, and develops a new character the commercial banks meet after Post-crisis Period; based on the cases, the forth part explains the risk forming process and concludes the experience; based on the international financial regulation development tendency, the fifth part promotes the strategy and suggestion on how commercial banks strengthen the risk management, and make a conclusion at the end with expectation to help the risk control study by our commercial banks at Post-crisis era.