The Research On Risks And Management In Medium And Small Commercial Banks

Based on the researches from domestic and foreign, this paper tries to study the risk and supervision of medium and small commercial banks in seven aspects. Considering the international and domestic financial situation, this paper first elaborates the related research home and abroad including studying the development of commercial banks’ risk, the factors and problems of risk management in commercial banks, the risk assessment approaches and models of commercial banks which pave the way for further research of this paper. The second part summarizes the characteristics of medium and small commercial banks, takes the current situation of medium and small commercial banks in Jiangxi as an example and then arouses the thinking over the risk and supervision of medium and small commercial banks.For small and medium-sized commercial Banks generalization of the characteristics, this paper in Jiangxi province the status quo of the development of small and medium-sized Banks as an example, leads to small and medium-sized commercial Banks risk and regulatory issues thinking; Small and medium-sized Banks across the country in Jiangxi province and other small and medium-sized Banks of further research found that small and medium-sized commercial Banks in the management risk and its existing problems; And the arrangement of the small and medium-sized commercial Banks risk factors, from the credit risk of operation risk capital risk and off-balance-sheet business risk for a comprehensive analysis; In reading and clean up the small and medium-sized commercial Banks of the annual report, based on the risk of regulatory index quantitative analysis, further explored affect business bank risk factors; Thus the arrangement of foreign commercial bank risk supervision experience and reference for the introduction, and puts forward the enlightenment of the small and medium-sized Banks; At last, the paper concludes that meets.By constructing the factor analysis model and collecting of small and medium-sized Banks annual, won the risk evaluation of comprehensive score, and during the next regression analysis to profitability as independent variable data, and concluded that small and medium-sized Banks risk and small and medium-sized Banks profitability and close relationship between capital supply.The empirical analysis results, put forward the corresponding with the risk of regulatory measures. Sound of small and medium-sized commercial Banks internal control mechanism, construction of corporate governance structure, comprehensive risk internal control mechanisms; Constantly perfect regulation law and market positioning and financial derivatives as the guidance system establishment; Constantly perfect credit reporting system, enrich the information acquisition channel; Establish the risk loss database, collect data loss risk, with the development of small and medium-sized Banks make system; Continuously improve the Banks themselves profitability, open up outside the watch business and middle business.This paper states the related research home and abroad through the inductive method of literature review, and then makes a comparison among foreign and domestic medium and small commercial banks through comparative analysis, the comparison between the requirements of Basel Accord and the supervision requirements in Chinese banking, between national joint-stock commercial bank and medium and small commercial bank. At last, the paper evaluates the risks in the medium and small commercial banks through the empirical analysis method especially the factor analysis and regression analysis.The paper aims to understand the weakness and influencing factors of the risk supervision of medium and small commercial banks in China and put forward the viewpoints and measures which are meaningful to the development of medium and small commercial banks in China through the research on bank risk supervision and the medium and small commercial banks in Jiangxi with the help of empirical analysis.