Research On The Risk Management Of Commercial Banks In Laos

The state economy of Laos recently is in the transition period.Building a financial system which conforms to the development of modern economy has become the significant factor.To deepen the development of Laos market economy and financial market,Laos commercial banks will face increase varied business environment,and the risks will also become more complex.As the leading force of Laos financial system,Laos commercial banks can achieve effective risk management,which contains not only an important impact on the safety of commercial banks,but there is also a far-reaching impact on the smooth operation of Laos economy.This study discusses the relevant literature in Laos,Chinese and western developed countries with the development of Laos summary of commercial bank risk management,analysis of the development of the current financial system in Laos,Chinese summarized four big state-owned commercial banks risk management experience,combined with a variety of problems in Laos in the risk management of commercial Bank and its causes,the corresponding reference experience,and gives the relevant policy recommendations of the risk management of commercial bank in Laos.This paper was divided into six parts.The introduction part introduced the background and significance of the topic selection,literature review,research contents and methods at home and abroad,as well as innovation and deficiency.The first part was the basic content of the paper.It summarized the contents of risk management in commercial banks,mainly introduced the origin,development and evolution process of risk management in commercial banks.The second part discussed the current situation of Laos commercial bank's risk management,and explained the current management situation of Laos commercial bank's credit risk,market risk and operational risk and so on,laying the groundwork for the third part of writing.The third part mentioned about Laos commercial bank risk management problems and causes,in-depth analysis of previous related discussions,and drew the Laos commercial bank risk management main problems and causes related problems.The fourth part took the four major commercial banks in China as an example,summarized the advanced experience of risk management in Chinese commercial banks,and concludes that Laos commercial banks should establish a perfect riskmanagement system as soon as possible,and develop various risk measurement tools.The fifth part put forward the policy recommendations of Laos commercial bank to improve the risk management status,and improve its risk management level,so as to achieve stable and safe operation of Laos commercial banks.