Research On Risk Management Of The Shanxi And Shanghai Bank Of The Traditional Financial Institutions In China

In the financial sector on the various types of risk management and response has always attached great importance to those who are practitioners in theoretical circles, there are many contemporary Western scholars draw on theoretical and physical risk control measures, issues of financial risk and made a lot of in-depth study valuable research results. However, traditional financial institutions in China (ticket number and the banks) and the concept of risk control measures have not been given due attention, this knot of modern risk management, management theory, selected number of representative Shanxi and Shanghai banks as research subjects through historical data collection and induction were investigated in detail the two types of financial organizations specific methods of risk management, compares the similarities and differences between the two discussed the reasons and summarizes the lessons learned, the study has certain innovative The conclusion also has some maneuverability.This article is divided into introduction, discusses the main (first to the fifth part) and at the end of the six parts.The first part outlines the number and Shanghai Shanxi course of development banks, in the context of historical development, both through ups and downs ups and downs, to promote social progress China has made tremendous contributions.No part of Shanxi and Shanghai banks risk management measures in a detailed analysis and summary. Shanxi number of risk control measures are:First, control their own business risk, reducing the likelihood of risk; Second, to asset-liability management approaches to improve the ticket number and risk the ability to resist; three is to establish a sound internal control system ticket numbers, improve the management mechanism, enhance the ticket number and reduce the risk of response capability. Shanghai banks in risk management stressed:First, expand the business field, scattered by the business risks:Second, the emphasis on banks internal control and restraint mechanisms; third is to highlight the business philosophy of honesty, highlighting the moral force of human Restraining capacity.The third part, focusing on comparative analysis of the number and Shanghai Shanxi banks risk management practices adopted by the similarities and differences. In common is that:First, in both financial resources on the organizational form are very limited, have taken the form of sole proprietorship or partnership, unlimited liability, have adopted the capital phase separation of ownership and management of the "separation of ownership" system; Second, Both operate on both the business shape the exchange rate and the deposit and loan business, to face and bear guard against and defuse financial risks of the task; Third, in the way of credit, both of the main uses is Xinyongfangkuan, attention to the debtor personal credibility. The difference is that both attitude toward risk, operating system, internal constraints and incentive system and so on. Differences in the analysis of the external, the further study of the differences caused by the internal and external factors, but this partly because of time constraints, the limited information available, not able to get more in-depth analysis of the previous, which is this need for further improvement one of the places.Part No. by Shanxi and Shanghai banks in risk management in the field of comparative analysis, summarized some valuable lessons learned to our current financial organizations on risk management with a certain significance, we should pay attention to building a modern inspiration financial sector credit credit system, the immune system to form a good risk.