Research On Risk Control Of LZ Commercial Banks Under The New Normal

China’s economy has entered the new normal,which is an important judgment of China’s top leaders on the economic situation.Three characteristics of economic development in the new normal is that growth is slowing,structure optimization and power steering innovation drive.Under the new normal,the real economy is facing transformation,and the financial system also needs to adapt to the adaptive transformation.City commercial banks is the product of China’s economic reform and a new force in China’s multi-level financial system.However,in the rapid development of high speed in recent years,there has been a situation of shift from real economy to virtual economy,weak ability to serve the wider economy,declining asset quality,so city commercial banks must reflect on existing risk controls.It is of great practical significance to study the risk control of city commercial banks to perfect our financial system.The development mode of LZ Commercial Bank,business characteristics and asset structure,is a typical representative of many cities at present,conform to the requirements of the reform under the new normal situation study sample,research the situation to grasp the whole city business has great significance to the development and reform.The author has been engaged in the local legal person bank supervision for many years,and has witnessed several local legal reform and development of commercial banks,and is familiar with the business and development situation of local legal person bank institutions.The policy suggestions putting forward to improve the risk control of city commercial banks has a certain reference significance.The first chapter is the introduction part,introducing the development of city commercial banks under the new norm,the research background,the research significance,the literature review and the research methods.The second chapter analyzes the competition environment of LZ Commercial Bank,using the PEST method to analyze switching external environment,using Michael Porter’s Five Forces Model to analyze the industry environment,using the SWOT Analysis to analyze the advantages and disadvantages of the bank,and it is concluded that the bank risk control is the primary task at present.The third chapter evaluates the 7 risks of LZ Commercial Bank,and clearly points out which aspects of risk control need to be strengthened.The fourth chapter are suggestions to strengthen risk control.The author points out that the primary task of city commercial banks is to strengthen risk control,which is both an effective measure to cope with the external environment and inevitable choice for sustainable development.