The Research Of Commercial Bank’s Financial Risk Management In Growth Period

At present in China, the commercial banking market not only exist large scale state-ownedcommercial Banks and developed share-holding commercial Banks but also exist batch ofdynamic forces that grew out of small-scale bank. By seizing the opportunities and reform of themarket. Accelerated development, are in the bank’s growth period. The bank is the specialenterprise to process with risk, the bank’s risk management ability is the centralism manifests ofits comprehensive management capacity, capacity development and competition ability. Atpresent, the risk management research focused on the aspects of universal bank riskmanagement.In view of growth stages of commercial bank’s risk management researchachievement is less. This paper study the growth phase of commercial bank in order tomaintaining their own competitiveness and get the answer how to avoid the possibility of risk,how to control risk, how to promote the Banks’ profitability and competitive ability.In this paper, I consult this kind of risk model in emerging technology enterprise’s developmentcharacteristics and growth model and use enterprise life cycle theory and sustainable growththeory,I carry out my research of the growth period of commercial bank risk’s management.Prompt commercial bank’s risk control measures to increase the risk management ability, andimprove its competitiveness.I select a commercial Bank in China as the case, I use the qualitative and quantitative analysismethod to evaluate it’s internal and external risk.According to the research of the commercial Bank’s risk management in growth period, we canmainly find it’s shortage of the risk management. To solve these problems, we can take measuresat the follow categories such as credit risk, market risk, operating risks, effectively identify and soon. Prompt the development and application of risk management technology. Enhance theconstructing of risk management system for all kinds of risks.