Research On Comprehensive Risk Management Of Commercial Banks In China And Related Problems

The banking industry has rapidly developed in our country in recent years. Not only theold state-owned banks, but also the rising city commercial banks, both made amazingachievements in business scale, financial products or other business, which is owing to thehard working of the bank workers. The Commercial Bank of our country is also making astrong pace towards the world financial stage. And as a result of this, China’s bankingindustry will face the risk of diversification. Although our country started to carry on the riskmanagement from the beginning of commercial bank operation, the risk is a constantcompanion, just like shadow of the bank. And its management is always a new problem. Riskmanagement has become the lifeblood of bank management system. Especially after theimplementation of new Basel agreement, China’s overall risk management has a bigdifference from the western countries’ at its beginning stage. The proposed overall riskmanagement is not implemented completely, which not only affects the bank’s reputation, butalso links to the bank development prospects. Therefore, we should learn more experience tofurther seek solutions to the long-term existent problems, combined with their own conditions,so that the level of risk management of commercial banks in China is bound to move forwardinto a new era, paving the way for the subsequent development work.In this paper, the first part concretely illustrates the research background and significanceof the overall risk management of commercial banks in China, summarizing the researchmethods. In order to study this issue thoroughly, it is necessary to illustrates the relatedconcepts and categories one by one according to their own understandings in the second part,combined with the "Basel Agreement Ⅲ". It’ll state the necessity and importance of theoverall risk management, and summarize the characteristics of the new protocol. Then thethird part focuses on analyzing several main kinds of risk managements. The rest parts of thepaper, according to the actual situation of the commercial bank and it’s own characteristics,referring to the experience of the overall risk management of international banks, put forwarda solution to improve the overall risk management in China.