Construction Bank Risk Management

Bank belongs to a special institution, the presence of certain risk of banks operating in the process. From the modern commercial bank management theory, we can know the bank’s risk management capability is very important, directly determines the bank’s core competitiveness. As one of China’s four major commercial banks, China Construction Bank and other commercial banks, their mode of operation have also been significant changes, successful transition from extensive to intensive. When CCB successful stock after the change, especially after the Hong Kong market, which CCB’s risk management capabilities made high demands, as long as the bank’s risk management capabilities would be enhanced essential, then the CCB can become a world-class commercial banks. Based on this background, in order to build risk management is analyzed, risk management status of China Construction Bank, the problems and the reasons were analyzed. Moreover, the paper innovative commercial bank risk management theory from the perspective of evolution, in-depth analysis of the impact of the new Basel Ⅱ risk management CCB, CCB found a gap between the current risk management and world-class banks, and then focus from the aspect of optimizing risk management system, accelerate the construction of internal rating systems, etc. have been studied, and to develop countermeasures and suggestions, which to some extent help CCB to improve their risk management.