The Research Of China Small And Medium-sized Bank International Business Risk Control

With the development of the small and medium-sized commercial banks in China, they facing the increasingly fierce competition among the banks, and they are in a constant search for new profit growth points. In this case, more and more small and medium-sized commercial banks started to operate international business. To operate international business has gradually become to the small and medium-sized bank’s trend.At present, the studies of Chinese commercial banks’international business of domestic scholars can be divided into the following two categories:one is the development research of commercial bank international business, focuses on the comprehensive analysis of banks’international business, particularly on the development strategies, market positioning, development trend and so on; two is the risk control of international business in commercial banks, focus on the risk control in the development of international business, especially on the risk control of the international trade financing. The results of the study mentioned above were wraparound undertake comprehensive analysis, but not distinguish the different characteristics between the large commercial banks and the small and medium-sized commercial banks.Small and medium-sized commercial banks’characteristics are different from large state-owned and joint-stock commercial banks’, so it can not copy the large commercial banks’experience to the small and medium-sized banks. Therefore, this article analysis the small and medium-sized commercial banks’operating in international business, excavate their aspects of risk control, put forward some useful suggestions for them, especially for the new start-up or the small banks of getting ready to launch international operations.Because of their small size, lack of business experience, the quality of professional staff is generally not very good, etc, the small and medium-sized commercial banks’risk control ability is insufficient. This article analyses the characteristics of small and medium-sized commercial banks, analysis the reason of the risk control ability difference, find the weak links, discover the advantage, put forward suggestions on small and medium-sized commercial banks to promote the development of international business.The first part of the article introduces the background and the significance, and research methods, the second part, introduces the bank risk control theory and the existing research condition at home and abroad, the third part revealed small and medium-sized commercial banks international business risk status, fourth part analysis the international business risk causes, the fifth part puts forward the recommendations of small and medium-sized banks to control the risks of international business, the sixth part is the conclusion of this article.