Research On Financial Risk Control Of Off-Balance Sheet Business Of MS Commercial Bank

In the past,the commercial banks in China were mainly dominated by the traditional deposit and loan business,but with the changes of the foreign financial situation and the need to deepen the financial reform in China,the commercial banks in China have constantly innovated their banking products and vigorously developed their off-balance sheet business in recent years.However,the risk management and control of off-balance sheet business of China's commercial banks are not perfect,and it is very likely that the potential risk of off-balance sheet business will be transformed into actual risk under certain conditions and affect assets and liabilities in the table.This leads to bank crises and even financial risks.MS Bank as a leading player in the development of commercial banks,under the pressure of unstable external environment and fierce internal competition,establishing an effective off-balance sheet business financial risk control system to strengthen financial risk control has become a key winning point in its homogeneous competition.Therefore,this paper firstly gives a theoretical overview of the off-balance sheet business,financial risk and control of commercial banks,and then takes the off-balance sheet business of MS Commercial Bank as an example,starting from the reality of financial risk control of its off-balance sheet business.By means of questionnaires,qualitative analysis and other methods to analyze and evaluate the financial risks and control status of MS bank guarantee commitments,agency investment and financing services,and financial assets services.It is concluded that the financial risk of the off-balance sheet business of IMS Commercial Bank mainly includes operational risk,interest rate risk,credit risk,management level risk,etc..Then it is found that the customer credit rating is unreasonable,the return of capital is reduced,the market risk is aggravated,and the risk management deviates from the internal control requirements.In the end,the article raise the question,analyzes the problems,and solves the problems of financial risks in off-balance sheet business,combining the successful experience of foreign commercial banks in developing off-balance sheet business and China's current off-balance sheet business policy.Using the theory of comprehensive risk management to put forward relevant financial risk control measures:strengthening credit risk early warning and control,strengthening capital effectiveness management,adopting technical means to strictly control market risk,optimizing the overall risk control system and other improvement measures.