Risk Management About Agent Business With XY Commercial Bank

As foreign bank of constantly influx, and China financial reform of constantlydevelopment advance, China joined WTO Hou of customer needs of constantly changes,interest rate marketing, mixed industry of commercial mode innovation layer becameincreasingly obviously, around everywhere are is City firm, peer Zhijian gradually fromcompetition towards cooperation competition of exclusive financial competition, financialservice industry Zhijian of cooperation, constantly was gives new of content, becamecommercial banks expanded of main drive force of innovation type financial service andfinancial sector restructuring of important area. Cooperation between commercial banks,has evolved into innovative new highlights. And business innovation and technologicaldevelopment ability of XY Bank to expand its unique agency business, and activelycooperate with the promotion of cooperation. XY commercial banks of peers agentbusiness became has the commercial banks of focus profit business, middle businessincome has became has important of profit points its reached has Bank between resourcesshared purpose, and also for the home Bank played complement each other provides hasplatform, to this reached has Bank and Bank Zhijian of win-win of situation, and more isfor Bank towards to more of institutions customer, and accompanied with huge profit ispotential of peers agent risk. That’s why we have to study important causes of businessrisks.This article is based on XY Bank agency business as a research object, respectivelythe agents of types, characteristics, rules as well as the causes of risk and the types of risk.On this basis, from commercial banks in order to reduce business risks, prevent and dealeffectively with risks suggested by the theory of objective and comprehensive riskmanagement preference theory of cooperative banks and cooperative basis, scientific riskwarning indicator development, strengthened in the development of contingency plans,among other measures.From this study it can be concluded that, in the context of modern finance, on thebasis of market-oriented interest rate, banks for agent management counterparts shouldadopt a comprehensive risk management system. Management can be divided into three steps, before the implementation of the overall risk management, and time duringprocessing to manage risk, so they can better resolve agent issues that were encountered inthe business.