Research On The Risk Management Of HRXJ Bank

At present, China’s economic and financial situation is still grim, commercial banks will face interest rate marketization and financial disintermediation acceleration, Internet banking cross-border competition, regulatory constraints increasingly strict bring great challenges.At the same time, the economic and financial environment of the international market is more complex, which leads to the risk of the commercial banks in our country more diverse and complex,in order to avoid systemic risk of commercial banks, we should establish a comprehensive risk management system based on the current economic and financial development of China and the characteristics of the banks themselves,“The New Basel Accord” also puts forward new requirements for the risk management of the banking industry. To establish a new concept, the use of scientific method to establish a suitable risk management system for China’s national conditions is a top priority, to prevent the risk of banks, improve the bank’s efficiency.This article is based on HRXJ Bank as the research object.Firstly, the thesis introduces the commercial bank risk management concepts, types and relevant theory, related theories, including the traditional risk management theory and model of overall risk management theory, on the basis of the above theory of HRXJ Bank risk and the risk management status analysis, summed up the HRXJ Bank risk management problems.HRXJ Bank risk management problem analysis, problem analysis from HRXJ Bank overall level, the major risk in the control of the business flow, capital management, risk management of data and information system, risk management information disclosure of the five aspects.Obtained respectively the problems exist in the overall level of HRXJ Bank: HRXJ bank head office to the branch bank risk management line and the comprehensive risk management of the division of labor is not clear.The major risk management problem is: credit risk management lack of quantitative risk analysis tool. It is still unable to achieve the refinement of the risk management; did not specifically to the market risk management to establish specific organizational structure and control measures; operational risk management scattered in the daily operations of the business and not systematically combing improve; HRXJ bank liquidity risk management and control is still a lack of effective tool support; reputation risk is listed targets remaining a certain gap.In the capital management and control of the content is not specific, especially the capital of the branch of the overall control of the line. In the risk management data and information systems have not yet been established in the head office level and risk management.In the information disclosure of risk management, the contents and quality of information disclosure should be further improved and perfected.On the basis of problem analysis, HRXJ bank risk management and the existent problems of analysis of the causes, this paper from the HRXJ bank overall level, credit risk management, market risk management, operational risk management, liquidity risk management, reputation risk management aspects of the six aspects analyzes their causes.Find out the reason, on the basis of HRXJ bank risk management proposed specific measures, vigorously strengthen the top-level design of risk management, improve the risk management organizational structure; establishment of major risk classification management mechanism, transformation upgrade risk control mode; to improve the level of refinement of capital management; efforts to improve the data quality management system, promote the overall development of the construction of information system of the group; according to market requirements, improve the information disclosure mechanism. At the same time, it gives out the concrete measures from the credit risk, market risk, operational risk, liquidity risk, and the risk of five kinds of risk. In order to strengthen the risk management of Huarong Xiangjiang bank, to enhance its core competitiveness.This article is based on HRXJ Bank as the object, HRXJ Bank is a microcosm of China’s small and medium-sized banks, so in this paper, the HRXJ Bank’s risk management study, also can draw lessons from to other small and medium-sized Banks in the risk management in our country, to help small and medium-sized Banks to strengthen risk management, enhance the level of management and enhance core competitiveness.