Research On The Optimization Of F Bank’s Risk Management System

Commercial banks are the institutions of operational risk.Since the emergence of banks,risks have been accompanied by them.At present,the level of risk identification,measurement and control in China’s banking industry still lags far behind the requirements of preventing and resolving financial risks.There is still a lot of work to be done to improve and perfect the level of risk management in banking industry.This paper reviews the three Basel agreements,summarizes the risk management methods of the predecessors,and explores the comprehensive risk management theory,which lays a solid foundation for the study of risk management of Bank F.This paper takes Bank F as the research object,and studies the improvement of its risk management system.Firstly,it summarizes the operation,organizational structure and human resources of Bank F.Secondly,it analyses its deficiencies in risk management from the current risk management system,credit risk management status analysis,other risk prevention and control measures,capital adequacy rate and reserve coverage rate.Finally,it makes progress in risk management.Cause analysis of internal and external aspects of the bank.In order to optimize and improve the risk management of Bank F,starting from the problems existing in the current risk management system of Bank F,we should improve the risk management institutions,improve human resources management,improve the risk management system,prevent and control major risks,establish customer rating model,enhance capital strength,and improve the ownership structure.The risk management information system and compliance corporate culture are optimized in eight aspects.Moreover,in order to ensure the smooth implementation of the risk management optimization program for Bank F,this paper discusses the implementation countermeasures from three aspects: how to pay attention to the leadership,how to strengthen internal control and audit,and how to strengthencooperation with the government.Through the above measures,ultimately,the current risk management system of F Bank will be optimized.