Research On Financial Risk Management Of XX Bank

Our commercial bank itself requires continuous development to survive in the wave of economic integration and financial globalization process, however, in recent years, financial situation in foreign countries becomes severer and severer, and the development of banking industry suffers from resistance of different layers. When seen from situation of foreign countries, the financial system of western developed countries encounters the double blow brought about by the breaking of financial crisis and the spreading of European debt crisis. At the same time, the profitability, sustainable competitive capacity and risk mastering capacity of banking industry in our country go through stiff and rapid development in the same severe financial situation. As “Basel III” was formally issued in December of 2010, “Basel III of Chinese Version” was born at the right moment in October of 2011, in view of supervision idea and measures, the two follow the same trend.In view of the nature, commercial bank is still targeted at profit making, as a financial intermediary, it is greatly different from other enterprises’ role and status in the economic and social development. As the most important operation target, enterprise value maximization also applies to commercial bank, and to realize the value maximization of commercial bank, it is necessary to realize the maximization of bank profit and optimization of bank’s daily operation and management activities. Under such circumstances, only when our commercial bank specifically takes corresponding measures to prevent and resolve financial risk, and actively promotes its financial risk management system revolution, can it improve its economic benefits and realize the value maximization target of commercial bank.In this paper, the way of case study is adopted and XX bank is taken as the research case. Firstly, it describes financial risk management theory of commercial bank, defines financial risk of commercial bank, interprets Basel, and takes it as the theoretical basis of this paper. Then, it analyzes the effect of the implementation of “Basel III” on XX bank, sums up problems existing in financial risk management of XX bank by combining with current situation of financial risk management of XX bank, and puts forward some countermeasures correspondingly.