The Stduy On Financial Risk Management And Countermeasures Of Construction Bank Heilongjiang Branch

Commercial bank is the typical bank facing risks, which contributes to thedouble identity: Banks have not only similar business risks of regular enterprises,and also have unique risks of financial enterprise. And these kinds of risk arealways related with the bank’s financial business, and finally turn into financialrisks. Once a bank has the financial difficulties, it will give a huge impact on thefinancial industry and the whole social economy. This is the main reason that thisarticle takes bank financial risk management as a research subject of importantreason. Financial risk management is the core issue of commercial bankmanagement. International banking financial risk management for the last30years to either in theory or technology has made significant headway. However,at present global bank bankruptcy cases turn up endlessly. The financial risks ofthe banks are still far from being effectively prevented or controlled. This papertakes the Chinese construction bank Heilongjiang branch as the research object.It analyzes the status quo and the existing financial management of financialrisks, and mines its profound reason, based on what trying to give its financialrisk management of opinion and put forward effective countermeasures.This paper begins from introduction of the writing background, and thenmakes a deep look of research situation of domestic and foreign financial riskmanagement. The paper also gives an example from china construction bankHeilongjiang branch, this paper analyzes the present situation of the bank’sfinancial management and financial structure, and clarifies that financialmanagement and financial risks are closely related. Because financialmanagement can’t control various problems caused by, it leads to financial risks.Then it makes us a detailed description of the financial risk of the bank,including policy risk, capital risk, liquidity risk, financial operation risk, tableinside and outside business risk and legal risk. This paper introduc es foreignsuccessful experience of large international Banks and briefly proposes financialrisk control method of china construction bank Heilongjiang branch.The paper offers preventive measures need from the following severalaspects against bank financial risks: strengthening risk prevention system construction; improving risk prevention technology level, strengtheningoperation risk supervision and management; training staff risk awareness;improving practitioners comprehensive quality, improving staff legal knowledgelevel, strengthening employees system implementation.