Research On The Risk Management Of Jiangxi JT Bank In E-finance Era

It is generally accepted that commercial banks play a leading role in finance sector and exert tremendous influences on the economic development of China.With the growing popularity of E-finance in recent years,risk management of commercial banks are being paid great attention to and the impacts of E-finance on commercial banks are heatedly discussed.As a bank with a long history,it is of great significance for JT bank of Jiangxi to manage its risks and develop in a quick and healthy way in E-finance era.This paper takes Jiangxi JT Bank as its subject,explores the problems of its risk management,sorts out the reasons and comes up with suggestions by adopting the analysis methods of theories,SWOT and system.This paper consists of six chapters.The first chapter serves as the introduction,giving brief information about the background,content,framework,methodology,significance and the innovation of this paper.In chapter two,the introduction of related theories and practice of risk management in commercial banks is elaborated.The status quo and the problems of risk management of Jiangxi JT Bank in E-finance era is expounded in chapter three.In the fouth chapter,the problem analysis and SWOT analysis of the risk management of Jiangxi JT Bank in E-finance era are discussed and the strength,weakness,opportunities as well as threats of risk management are explained in detail.Chapter five comes up with the suggestions and recommendation of enhancing the risk management in Jiangxi JT Bank.In chapter six,a conclusion is made.By investigating and analyzing,there are still a range of problems in the risk mangement of Jiangxi JT bank in E-finance era,as follows:1.The understaning of E-finance has not been fully grasped;2.The vehicles of risk control have not been made fully use of;3.The subject of risk control is difficult to quantify.The reasons are as follows:1.An all-round and scientific concept of risk management has to be cultivated.2.The systems of risk management needs to be strengthed.3.Internal risk managementneeds to be improved.4.The capability and expertise of related employees needs to be enhanced.5 The information system of risk management and anti-risk system needs to be enhanced.Therefore,certain measures need to be taken as follows,1.cultivate an all-round and scientific concept of risk management,2.perfect the Systems of Risk Management,3.improve the system of internal risk management,4.enhance the capability and expertise of related employees,5.enhance the information system of risk management and anti-risk System.