Research On Strategic Transformation Risk Management Of State-owned Commercial Banks

The new era will bring a new history.What kind of attitude our commercial banks will take to enter the new era is a question that the whole financial field is exploring.China's financial industry has made remarkable achievements so far,but with the development of technology and the changes of the times,new contradictions and problems are becoming increasingly prominent.Commercial banks cannot be indulged in the past brilliance,cannot continue to seek greater development in the past business map.In the process of change,how to prevent and control the risks in the process of transformation of commercial banks has hardly been studied by relevant scholars in the existing scientific research field of strategic transformation and risk management.This paper,taking JS Bank XX branch as an example,mainly discusses the risk management in the strategic transformation of state-owned commercial banks.The purpose is to study what kind of risk management means China's state-owned commercial banks need to adopt to achieve sustained profits and smooth operation in the process of strategic transformation.In the process of concrete elaboration,this paper adopts three kinds of research methods:literature method,case analysis method and model method.Through the above research methods,this paper expounds the Enlightenment of the risk management problems involved in the transformation of Wells Fargo,HSBC and Japan's banking industry,and identifies the specific risk points of the bank in the transformation process by taking JS Bank XX branch as an example.According to the risk point,the related reasons are analyzed and preventive measures are put forward.Combined with the case enlightenment of other banks and the analysis results of JS Bank XX branch,the final conclusion is drawn,which puts forward the prospects for the risk management of state-owned commercial banks in the process of strategic transformation.