Research On Risk Management Of Bank-School Cooperation Project Of G Commercial Bank

With the rapid development of commercial banks' financial services,their business involves more and more service objects,and colleges are also known as one of its most important service objects.The policy's support for education and the stable funding sources of colleges and universities have provided huge market potential for commercial banks.With the deepening of bank-school cooperation projects,more and more bank-school cooperation projects participated by commercial banks have indeed brought rare development opportunities for commercial banks;but at the same time,commercial banks are facing many risks and challenges due to the participation of bank-school cooperation projects.There are inevitable risks in the development of bank-school cooperation projects.How to identify risks scientifically and rationally through effective methods,and thus effectively prevent the risks of commercial participation in bank-school cooperation projects,is of great significance to the sustainable development planning of commercial banks.To this end,this thesis conducts research on the risk management of the G-Bank commercial bank-school cooperation project.The specific work involves some aspects as follows:(1)Summarized the risk analysis of commercial banks and the current status of bank-school cooperation projects,and took the "G commercial bank bank-school cooperation project" as the research object,combined with the actual situation of G commercial bank bank-school cooperation projects,based on The time is divided into three stages:pre-cooperation,co-operation,and post-cooperation to identify risks.At the same time,the possible risks are analyzed from the aspects of finance,credit,management,technology and other aspects,and the causes of the risks are analyzed.(2)Established a risk evaluation indicator system for G commercial banks participating in bank-school cooperation projects,and determined the weight of each risk evaluation indicator using analytic hierarchy process.From the analysis results,it can be seen that the greatest impact on the risk of G commercial banks participating in the bank-school cooperation project is the credit status indicator,especially the information symmetry between the two banks.The second is the solvency index and profitability index.In addition,management capabilities,technical factors and other factors will affect the risk of G Commercial Bank's participation in bank-school cooperation projects.(3)According to the risk evaluation results,five risk prevention suggestions are proposed:one is the response to credit risk,and the bank-school joint management and control mechanism must be improved;the second is the response to the risk of repayment ability in financial risks,and appropriate disciplinary measures for breach of contract must be formulated;The third is to deal with the risk of profitability among financial risks.It is necessary to improve the structure of financial products and change the way of cooperation.The fourth is to deal with the risk of management and to improve the management capabilities of bank-school cooperation projects.The fifth is to deal with technical risks and other risks.Construction of bank information platform.