Research On Bank Of Ning Bo Risk Management

The core of commercial banks is business risk,risk management is the source of value and revenue for banks to create,and risk management is also an important driving force for banking innovation.Risk management is not only the requirements of the regulatory authorities.A high level of risk management is also in line with shareholders,employees,social and other interests,and is essential to ensure that the bank could continue to operate the core conditions.Now under the influence of China's economic development and financial reform,the banking industry has emerged within the growth rate differentiation and profit differentiation pattern.Among them,urban commercial banks as a growing new force in the banking industry,we need to focus on its risk management research.In this paper,the author takes the Bank of Ningbo as the object of study,according to the China Banking Regulatory Commission,"the core indicators of risk supervision of commercial banks," using comparative analysis of horizontal and vertical comparison between 2011 to 2015,Industrial and Commercial Bank,China Merchants Bank and Bank of Nanjing 16 listed commercial banks risk level,Risk migration levels and risk offset levels.At the same time,this article tries to further test the level of Ningbo Bank's risk management effectiveness from the perspective of empirical research.This paper uses the RAROC model which is widely used in the banking industry to measure the risk adjusted income of the Bank of Ningbo,and then compares the RAROC value of the specific business variety with the RAROC value of the whole bank.On the whole,Ningbo Bank is a fast-growing and profitable bank with perfect risk management structure.The level of risk management is in the middle of the overall banking sector in China,and the advanced risk management model technology is adopted more thoroughly The means and effectiveness of Ningbo Bank's risk management work can provide logical reference and practical experience for the risk management of most commercial banks in China,including urban commercial banks.However,in the future development of bank management trends and differences in the pattern of development,the deposit and loan ratio and loan migration rate the Bank of Ningbo are both too high,it should focus on how to control credit risk and market risk.And according to the deficiency of the overall risk situation of Ningbo Bank,the paper puts forward the specific suggestions.