Research On Financial Risk Management Of Commercial Banks

As the hub of economic regulation,commercial banks have a high status in China's economic system.The key to the steady development of commercial banks is a wellfunctioning financial risk management system.In recent years,the global economy has undergone tremendous changes with the financial crisis.The traditional business of commercial banks has been affected,and the way of economic development in China has also been challenged.With the deepening of the reform of the government's financial system,commercial banks will face many risks.The uncertainty,spreadability and concealment of financial risks have brought about different crises and tests.Considering the special business nature of commercial banks and the rise of Internet finance,how will the commercial bank's profit model and financial risk change in the process of economic globalization and interest rate marketization,and how commercial banks should respond to these changes,causing A wide range of social concerns.The thesis selects China's largest state-owned bank,ICBC,as the research object,and studies its problems in financial risk management and puts forward relevant suggestions.The paper first reviews the relevant research literature of predecessors,introduces the basic situation of ICBC and sorts out its financial risk management process.It combines the financial data of the banking industry in recent years on the basis of the practical experience of financial risk management of domestic and foreign commercial banks.In the industry situation,the financial risk rating of ICBC was evaluated through financial indicators,and then the financial risk of ICBC was further classified,namely,ICBC's market risk,asset quality risk and credit risk,and each type of risk was carefully analyzed.It points out that its financial risk management has a single structure of assets and liabilities,weak liquidity of funds,and ambiguous credit management responsibilities.Then it summarizes and summarizes each issue,and proposes comprehensive development of asset securitization,adjustment of credit structure,and cooperation with third-party institutions.Improve risk management recommendations such as post-loan information management and control.Finally,the conclusions of the paper are expounded and the development direction of future research is prospected.At the time of writing,the paper is based on the specific financial situation of ICBC and the actual status quo of risk management and control.Combining with China's financial environment and economic policies,it draws on advanced management experience of foreign commercial banks to objectively evaluate the current financial risks of ICBC.And an in-depth study,to provide a certain degree of reference value for strengthening the construction of a more sound financial risk management system for commercial banks in the new era.