Research On Risk Control Of Commercial Banks In China

Risk control is the strategy of management of commercial banks. With1970s of financial globalization, liberalization and financial innovation, the international financial environment is becoming increasingly complex. Prompting banks to strengthen their risk control is becoming more and more important.30years of reform and opening up, learning from risk management experience of advanced international banks, China’s commercial banks risk management awareness and management level have a significant upgrade. Especially after joining the WTO, China’s financial market reforms to accelerate the speed and being more closely with international standards. However, because our country commercial bank has been owned by the state, and the lack of market competition pressure, thus in the risk control of awareness is relatively weak. In the risk control strategy planning, internal control mechanism construction, banking supervision is far behind the developed countries and regions. Therefore, it is very important to fully understand the gap between China’s commercial banks in risk controlling and international banks, combined with the development of China’s banking industry practice, and then explore a risk for China’s commercial banks control management system.Based on the background of the development of domestic and foreign commercial banks, and from comprehensive enterprise risk management to control the risk management as the research object, through the collation and review of the basic theory of risk control of commercial banks, and summarizes the international advanced bank risk control tools, finally to provide effective reference for our country commercial bank in risk control. At the same time, combined with the development of Internet Financial industry of our country and the marketization of interest rate changes on the impact of commercial bank risk control, this paper make a detail analysis of the opportunities and challenges that China’s commercial banks faced; To Alibaba Internet loan bank as an example, this paper analyzes the basic situation of commercial bank risk control in the Internet Era. Finally, to promote our country commercial bank’s risk control, This paper puts forward five basic countermeasures and suggestions. It includes the concept of risk control to improve the commercial bank, the construction of risk management system, and the introduction of advanced management technology risk control, perfecting the information disclosure system and the culture of Internet Financial risk control related personnel, etc.