The Risks Of Commercial Banks And Protection Countermeasures

In the modern financial system of our country,the commercial bank acts as an important position which is difficult to replace,and the operation risk of commercial bank also has the characteristics of complexity and diversity.Minsheng Bank Nanchang branch as a branch level,since July 15,2009 officially opened in Nanchang,which firmly rooted in the red soil of Jiangxi,has made a significant contribution to Jiangxi’s social and economic development.Nanchang branch in recent years to create new products,promoting mechanism innovation and system innovation,constantly optimize the service process and improve service quality,provide enthusiastic worry,rest assured,intimate financial services for customers,achieve the strategic goal of banks and customers to grow together.However,as the deepening of economic globalization,the business risk of commercial banks are constantly changing and changing.Under this background,this paper attempts to the face of the Minsheng Bank Nanchang branch business risk to do a detailed analysis,and put forward corresponding solutions and preventive measures of the risks,the Nanchang branch of the future that has market competitiveness and sustainable development capacity for reference.Based on the current development situation of China’s commercial banks and the financial system reform of our country’s progress,the integration of the existing related literature at home and abroad,to conduct a comprehensive analysis of the Minsheng Bank Nanchang branch of the business risk,and the Nanchang branch of China Minsheng Bank faces the business risk,puts forward some countermeasures to prevent a series of practical operation.A comprehensive and systematic research on the operation risk of commercial bank and Countermeasures in order to achieve.This includes review of basic theories of risk management of commercial banks,commercial banks also have analysis of the existence and classification of business risk,business risk characteristics and formation mechanism in detail;from two aspects of theory and practice at the same time in analysis of commercial banks’ operation principle and significance of risk to prevent,finally put forward specific measures detailed and operable to prevent the operating risk of commercial banks.After analysis,the Minsheng Bank Nanchang branch is facing the traditional lender moral risk and the interest rate market has completed a series of credit risk;interest rate risk and exchange rate risk management ability is insufficient,the Nanchang branch is currently facing greater market risk;lack of banking mechanism and system of Nanchang branch,the branch of the internal base the staff and management in business is not rigorous,the Nanchang branch of great operational risk exposure;due to the liquidity management difficult,the professional ability of lack of capital control,so that liquidity management difficulty is greater,and the Nanchang branch facing some liquidity risk.According to the Nanchang Branch faced a series of operational risk in comparing with developed countries those with the success of the operation risk of commercial bank supervision and management and prevent experience,combined with the financial market of our country,and puts forward the prevention of Minsheng Bank branch in Nanchang business risk management ideas.This paper argues that the Nanchang branch from the Minsheng Bank credit risk,market risk,operational risk,liquidity risk and compliance risks and other aspects,the paper discusses the mechanism of formation of the Nanchang Branch of the Minsheng Bank business risk and put forward some practical countermeasures for the operation.Specific business risk prevention measures are:(1)strengthen risk management professional management personnel training;(2)to establish the scientific concept of bank risk management;(3)speed up the risk management information system of Nanchang Branch;(4)strengthen the Nanchang Branch of the credit risk management process,establish a full range of risk monitoring system;(5)focus of the supervision of credit risk,the establishment of perfect before the Nanchang Branch of the loan,the loan,the loan management system.