Research Of A Comprehensive Risk Management System In City Commercial Bank

As a powerful backing for financial support of small and medium-sized enterprises, small and medium-sized banks plays a more and more important role in the social development process. The comprehensive risk management system of small and medium-sized banks means that the risk of various levels of internal bank business units, all kinds of comprehensive management, because of its superiority in the risk management ability and efficiency, has become the international advanced bank risk management trend. China’s small and medium-sized banks should be the introduction of a comprehensive risk management as soon as possible ideas and technology, improving the internal rating system, unified database and basic work, to improve risk control and management ability fundamentally, steadily promote the comprehensive competition strength.As China’s rapid economic growth in recent years, the domestic small and medium-sized banks have been developing very fast, it to the local economic construction, especially for small and medium enterprises support, play an important role in. At the same time, small and medium-sized banks still need to further improve the quality of growth, its risk management measures are needed to strengthen. The comprehensive risk management mode is the main direction of the reform of risk management of commercial banks in China in the future, China’s small and medium-sized banks should build a comprehensive risk management system, to ensure the healthy and sustainable development of the bank. This paper mainly analyzes the risk management system of small and medium-sized commercial banks and the characteristics of the present situation, problems and challenges which exist, some advanced methods according to COSO "overall risk management framework" and the international banking industry, combined with the actual characteristics of China’s social environment, analysis of China’s small and medium-sized banks in the internal control environment, risk identification and assessment, internal control measures, information system and supervision and management, build a comprehensive risk management system of banking industry in China, and puts forward a series of application in small and medium-sized banks overall risk management system construction countermeasure and the suggestion.