The Diagnosis Report On Risk Management Of LY Commercial Bank

City commercial banks play an important role in the regional financial system,and their healthy and orderly development is favor of local financial stability. In 2010 September, representatives of Central Bank from 27 countries summarized many financial regulatory loopholes of the financial crisis in Basel Committee and unanimously adopted the "Basel Capital Accord III ", which opened a prelude to the global financial regulatory reform. In 2009, China formally joined the Basel Committee on banking supervision. In 2011, Chinese version of the "Basel III" was issued. In 2012, the new regulatory capital standards began to implement. The implementation of our new regulatory capital standards put forward a challenge to the smaller city commercial business and risk management. Therefore, it is necessary for city commercial banks to diagnose their risk management level, so as to help them to improve the ability of risk management and risk resistance.We choose LY commercial bank as the diagnosis object and "Basel III" as diagnostic standard, combining the study of literature and empirical research method,using comparative research method and case study method. We introduce the development of LY commercial bank as well as its operating situation, the governance and risk management technology. Through domestic and foreign literature review about the theory of risk management and the generation and development of Basel protocol, we clarify the theoretical basis and diagnostic criteria for risk management diagnosis. We analyze and diagnose the risk management status of LY commercial bank as an important part. It mainly contains the characters interviews, questionnaires on site diagnosis and off-site diagnosis of extraction "Basel III" the four regulatory requirements of the historical data. In addition, we analyze the macro and industrial environment of LY commercial bank, and conclude its risk management problems and potential risks.Finally, from above diagnosis, this paper put forward suggestions to improve its risk management ability.Through our study, we aim to provide the direction and approach to improve the level of risk management for LY commercial bank, and also a reference for other city commercial bank to carry out risk management diagnosis.