Research On Risk Management Of Commercial Banks In China And Countermeasures

Commercial bank as the core of the financial system,and its stable operation and healthy development of the economic development and prosperity of all countries to promote has important strategic significance.Whether to risk effectively identify,measure,monitor,and adopt scientific means and methods of control,is one of the commercial Banks to keep the core content of management.Risk and management is the basic functions of commercial Banks,risk management is a means of commercial Banks to carry out the strategy of management,which provides the basis for risk management for bank risk pricing,a sound risk management system to create additional value for commercial Banks,risk management level reflects the core competitiveness of the bank.Sweeps across the whole world since 2012,the concept of big data,both government,academia,industry and capital market,we are talking about the big data and change,of the impact of the study strategy and development of the era of big data.At present,in the customer analysis,risk management,Banks to use big data is preliminary already accumulated certain experience,transition to a general data for the future laid a good foundation.This article proposed the use of commercial bank's risk and risk management of related theory,studies the present situation in the construction of our country commercial bank risk management system,analyses the main problems of China's commercial Banks,and effective solutions were put forward.This paper studies on the background,significance,method,purpose,research status at home and abroad,the paper content and structure,methods,etc;Then the commercial bank's risk and introduces the risk management theory,elaborate the definition,classification and features of the commercial bank risk,commercial bank risk management connotation,characteristic,the commercial bank risk management pattern and new Basel agreement's impact on commercial bank risk management.Then based on the authors experience,analyze the present situation of China's agricultural bank risk management system is pointed out that the current agricultural bank of China has established a relatively sound system of risk management,risk management culture basic form,basic mature risk management evaluation system,large data on the impact of China's commercial bank risk management.Then points out the main problems of our country commercial bank risk management:heavy data applications,light data control;Big data development organization construction;Incentive constraint mechanism remains to be further strengthen;Risk management of the Internet technology talented person lack;Big data lack of information.And analyzes our country commercial bank risk management of the external challenges:the social credit system,legal system is not sound;Government supervision effectiveness;Internet financial rapid rise.Finally put forward the corresponding Suggestions:improve the comprehensive risk management system.Improve the overall risk management of commercial Banks external supervision Suggestions.