A Case Study Of Harbin Bank 's Financial Risk Management

Financial management of commercial banks is to improve the bank competitiveness of thecore content of the present development situation of domestic and foreign banks, commercialbanks to adapt to the fierce competition in the market of modern financial industry, and theestablishment of scientific financial management system, has become commercial banks moreand more urgent demand. Therefore, combined with the China’s actual situation, under theguidance of scientific and effective financial management concepts, the use of scientific methodsand means, reform of the key problems in the financial management of commercial banks, thusensuring that give full play to the important role of financial management. Especially on like theBank of Harbin City Commercial Bank, the risk management system is not perfect, the lack ofrisk management personnel, so how to effectively control the risk, as far as possible to reduceloss brought by the financial risk to the Bank of Harbin, become a important topic of commercialbank financial risk control.This paper first describes the relevant theoretical basis of the related concepts, the bankfinancial risk management, theoretical foundation mainly includes the financial risk ofcommercial banks, and the scholars at home and abroad for the recent commercial bankresearch summarize. Using the case analysis method and system analysis method, carries on thedescription to the Harbin bank’s financial risk, based on the analysis of the current situation andproblems of the bank financial risk management, summed up the bank the causes of financialrisk management, liquidity is not strong, the loan process design is notreasonable, lack ofawareness of the importance of risk. The financial information system is not perfect, not to set upan early warning system and other management issues. And on this basis, according toChina’s commercial banks including Harbin bank, put forward to strengthen liquiditymanagement, the establishment of the whole process of credit management system, improvethe financial risk management system, improve the system of internal control of banks, theestablishment of financial early warning system and the corresponding improvement measures.