Study On Agricultural Bank Of China Tianjin Beichen Branch In Intermediary Business Risk Management Research

Modern commercial banking business is divided into asset business and liabilitybusiness and intermediary business type, the intermediary business is refers to thecommercial Banks do not need to use their own money, to the identity of the intermediaryagent to undertake cash and other commitments, and collect fees which provides variousfinancial services business. Bank middle business; do not need to take up its own funds,which are based on the balance sheet of commercial Banks credit. According to a2001promulgated by the people’s bank of China the provisions of the interim provisions on theintermediary business of commercial bank intermediary business can be divided intoclasses for settlement of intermediary business, bank card business, agent intermediarybusiness, guarantee intermediary business, commitment to intermediary business, tradingintermediary business, fund custodians, consultants, business and other types ofintermediary business nine classes. Along with the economic globalization and financialbody and a series of commercial Banks operating environment changes, in recent years, thecommercial bank intermediary business has been rapid development. The development ofintermediary business for commercial Banks to bring more profits, but also inevitablybrings a lot of risks. Therefore, the intermediary business of commercial bank riskmanagement is the commercial bank risk management is a very important content.There are two kinds of risk definition, an emphasis on risk expressed as uncertainty,another emphasis on risk is the uncertainty of the loss, risk here refers to the specificenvironment and the time period the possibility of a loss, usually with the size of the lossoccurred and the size of the possibility of a loss of two indicators to measure. Intermediarybusiness risk refers to the commercial bank in the intermediary business managementprocess, due to the influence of uncertain factors, leading to bank the possibility of loss,dispersion, characterized by freedom, concealment and difficult to measure. The risk ofintermediary business of commercial bank according to the causes of risk can be dividedinto credit risk, operational risk, liquidity risk, market risk, legal risk and so on five bigclasses. Banking industry as an important part of the financial industry, its risk managementis as indispensable part of the whole risk management, and risk management ability is tomeasure the core competitiveness of commercial Banks have an important indicator. Riskmanagement ability refers to the bank in realizing their own development at the same time,both the improvement of financial environment, so that the bank can efficiently conductfinancial transactions, to maintain its core competitiveness, to achieve the sustainabledevelopment of a kind of ability.Tianjin branch of agricultural bank of China as one of the big four state-owned commercial Banks in Tianjin, since its establishment and self-consummation rushed,growing, became a service in urban and rural, fully functional modernization of largestate-owned holding commercial Banks. As belonging to the level of agricultural bankTianjin branch branch-beichen branch was established in1953in June, has gone through60years of extraordinary development, from a small office, in an old temple office ofdevelopment to become the largest financial institutions in regional scale, manages18branches, located in beichen district9towns, four blocks, and development zone, thewindow of the society from all walks of life to provide financial services to constitute andnetwork become tianjin an important force in the financial market. Agricultural bank ofChina tianjin beichen branch from2009to April2009, profits growth from176.81millionYuan to398.84million yuan, profit turned over twice, now create profit per capita1millionyuan; Operating income increased from475.27million yuan to116.95million yuan,revenue expenditure increased from298.46million yuan to298.46million yuan, interestnet income increased from119.85million yuan to442.04million yuan, the intermediarybusiness revenue growth from36.31million yuan to111.55million yuan, the business taxexpenditure increased from14.5million yuan to14.5million yuan, data high growth.Beichen branch in2009, the intermediary business revenue totaled36.31million yuan, in2010the middle business income is50.15million yuan, in2011the middle businessincome is77.05million yuan, in2012, the intermediary business revenue totaled111.55million yuan, intermediate business income of each branch in tianjin over the years hasbeen in a leading position, ranked preempted the county low risk, high income, etc. Thecommanding heights of the new intermediate business income. But in the process ofintermediary business revenue growth, has exposed many problems existing in theintermediary business risk management: lack of high-quality talent; Intermediary businessinternal control system is not perfect; Operational risk management existence erroneouszone; Organizational structure is not reasonable; The risk management of intermediatebusiness is hampered by the legislative defects. Was studied in this paper the problems inthe agricultural bank intermediary business risk management, and analyzes the causes ofproblems, thus put forward the corresponding improvement measures of these problems,making the business to effectively control risk, so as to promote the healthy and continuousdevelopment of intermediary business.