Research On Non-standard Business Risk Management Of A Bank

As an important credit intermediary,commercial banks play an important role in China's national economy.In recent years,along with the change of economic situation and external tighter regulation,commercial banks deeply understand that:former business model,financial business products and service mode are gradually losing inherent survival market.In order to improve market competitiveness,commercial banks gradually began to try business innovation,non standardized debt assets(hereinafter referred to as non-standard business)come into being.After the financial crisis,China's economy fell into a stage of L.The economic downturn,non-standard business risks have entered stage from incubative and accidental period to dangerous and high-incidence period.How to balance the relations between non-standard business'risks and benefits,how to improve the risk management system,how to prevent credit risks,they become key problems to be solved in non-standard business development.I hope this article research on non-standard business risk management of A bank can improve the whole banking industry's non-standard business risk control level.Firstly,this paper introduces the theory of risk management,to build a research framework of non-standard banking business risk management;this paper briefly discusses the non-standard business definition,characteristics and classification.At the same time,it also sorts out the problems of non-standard business and regulatory solutions.Secondly,based on in-depth interviews and typical case studies,this paper reveals A bank's 4 aspects of the management absence of non-standard business:the business management environment,pre-trial investigation,loan review and approval and post-loan supervision.Again,according to the risk management theory,this paper proposes solutions from 4 dimensions of risk identification,risk measurement,risk control and risk monitoring.Finally,this paper ends with a case study.Non-standard business of bank guarantee has the advantages of simple operation,great harm,this chapter carries on the analysis of examples,expounds the application of the relevant risk control measures.This paper argues that the main risk management methods for commercial banks in the non-standard business are as follows:clear the non-standard business departments,supervise the timely introduction,guarantee business compliance operation;establish the super system,integrate information resources,share information between business lines,parent and subsidiary company,implement credit control,avoid excessive approval or line rent-seeking;strengthen the authenticity of business the examination and approval management port forward,the due diligence investigators participate in the survey before credit loan,grant credit center implements the approval requirements,operating agency tracks project operation,carry out business duration check irregularly.In addition,the bank should also strengthen publicity efforts on compliance culture,increase the intensity of accountability,resist illegal behaviors,so that the operating institutions dare not,cannot,and don't want to commit crimes.