Commercial Bank Risk Transfer And Prevention Research In View Of International Financial Crisis

Finance is the core of modern economy. Monetary and financial relationswith economic development is an important problem of traditional attentionfrom economists. The most basic function of the financial sector is to providefinancial intermediary services, optimize allocation of resources and to realizethe two big functions, need it to provide comprehensive, multi-level financialsystem of financial services. The financial system, including infrastructure,financial institutions and financial markets. A robust and efficient financialsystem is the premise condition of a country’s economic development, once thefinancial crisis, may cause the economic crisis, and even the global economiccrisis. In social economic activities is full of risk, risk contains a potential loss orcrisis. Financial activities as a kind of economic activities, the uncertainty of itsown that its risk no significant difference compared with other departments.Born the financial risk and financial activities, is the most common risks, one ofthe most common and most influential risk, therefore, become the main object ofrisk management, financial risk. In this paper, in the perspective of theinternational financial crisis, the research on commercial bank risk transfer andprotection system.The first chapter is introduction. First discuss the research background andsignificance, introduced the domestic and foreign research present situation, thepaper thought and basic framework and research methods.The second chapter for commercial bank’s risk analysis. Respectively fromthe macro micro and internal and external, transmission path, transmissionmedia such as angles of risk transfer characteristics were analyzed.The third chapter is our country commercial bank’s risk characteristics.From commercial bank market, macroeconomic perspective, independence andefficiency of commercial Banks.The fourth chapter financial crisis in our country commercial bank risktransfer. Respectively introduces the foreign exchange and foreign trade, theliquidity, the trade chain, market expectations four aspects of risk transfer way.The fifth chapter is risk measurement. Through the introduction of the risktransfer of several kinds of traditional measurement method, the author introduced the calculation method of the risk transfer measurement.Sixth chapter for the commercial bank risk management system on the basisof risk transfer research building of policy recommendations. Based on the risktransfer research, from the external environment and risk prevention ofmacroscopic construction, the overall risk management system to buildcommercial bank put forward policy Suggestions and development direction ofcommercial bank risk management.Chapter seven is conclusion. Mainly summarized in this paper, the mainwork done, and based on the risk transfer study of commercial bank riskmanagement system to build the direction of further development andoptimization was discussed.