Research On Bond Investment Risk Of A Commercial Bank In Ningxia

As one of the most important parts of China's financial market,the bond market is an important cornerstone for the establishment of market-oriented interest rate system and the promotion of financial innovation.However,in recent years,bond investment business in China's vigorous development,at the same time,as the credit risk,interest rate risk incidents enlarge the exposure of all kinds of risk factors,to the rapid expansion of commercial bank bond investment business card overshadowed.How to effectively identify and avoid all kinds of risk factors,make the bond investment safe and sound development,has become the commercial banks need to pay attention to and to solve.This paper first generalizes the current domestic and foreign researchs on the theory of bond investment business and risk management,and the five importent types of risks faced by the bond investment business are studied.Then,by means of data statistics,through the analysis of the development history and current situation of a commercial bank in Ningxia to carry out bond investment business,credit risk and interest rate risk faced by leading the two kinds of important types of risk,put forward the main existing recognition methods.Based on the above research,this paper comprehensive analysis the risk management of bond business,which exists for credit risk identification,risk and interest rate risk control system construction,personnel training and technical support and other issues,after the analysis of the bank internal and external reasons,tries to improve the credit risk decision mechanism,improve the interest rate risk ability of discernment,prevent other risks and improve the comprehensive risk management system and improve science and technology support ability five aspects,put forward suggestions to enhance the ability of the risk management of bank bond business.