X Bank Risk Management Studies

Banking company is a special organization, because it has many opportunities tocreate value using financial risk management. Ability of risk management is regarded asa standard that can measure the competitive forces of commercial banks by themanagement theories of modern commercial banks. X bank is the first quoted stateowned company in China banking sector, which underwent a dramatic changing fromextensive management to intensive management. Then the X bank is successful listed inHong Kong when it finished the shareholding system transformation. Therefore, theadvance of risk management abilities can be a significant link to achieve a strategictarget of “the top level of valuable creativity commercial bank in the world”. In order tounderstanding the risk management status in quo and dissecting the issues anddifferences in risk management aspect of the X bank, this dissertation start fromtheoretic evolvement of risk management in commercial banking, it analyses new BasleAccord and risk management status of X bank completely. Thus, we could find the gapsand think out the way to solve the problems. This paper emphasize to set up the generalrisk management system, build a framing of operating risk management, expedite thebuild of inner ranking system and perfect the measure of economic capital, etc. Thisstudy is trying to provide the valuable helping for the risk management reforming of Xbank.