The Construction Of Comprehensive Risk Management System Of Rural Commercial Bank Of P City

With the continuous improvement of productivity and the development of social refinement,the risk management model of commercial banks is also iterative.In today's fierce competition,it can be found that under the background of deepening financial marketization,the new risk management mode is gestating in the structure of the traditional risk management system.The risk management of financial institutions reconstructs the risk management system of commercial banks from four dimensions:the management of financial business,the formulation of financial risk strategy,the service provider and the effect evaluation.The former risk management model is difficult to play a role in the context of the increasingly complex and derivative financial products.The emergence of integrated risk management institutions provides risk management for commercial Banks,and also makes it possible for commercial banks in terms of technology and cost in financial business.First,this paper expounds the background of the topic,the research methods and significance of this paper through the current situation and research results of overall risk management at home and abroad;secondly,it takes the development and risk management of agricultural commercial banks under the background of domestic financial marketization and complexity as an example,Through the construction of overall risk management system,this paper analyzes the application of risk transformation and risk management,and studies the change and invariability of risk management mode of rural commercial bank under the background of financial marketization reform.Third,by using case study method,through analyzing the current situation and existing problems of comprehensive risk management of P city's rural commercial bank,the paper explains the importance and necessity of building a comprehensive risk management system;finally,by exploring the ways,contents and effects of building a risk management system of rural commercial bank,the paper compares the innovation of risk management mode vertically and horizontally,sorts out and summarizes the aspects of overall risk management mode All kinds of common and individual problems.In this paper,the analysis shows that in accordance with the principle of comprehensiveness,concentration,independence,integration of P in agriculture commercial bank overall risk management system,the board of directors,board of supervisors,management responsibilities clear,established a perfect system of credit risk control,risk early warning mechanism and stable staff training mechanism,risk management can apply risk management strategy,to cope with the volatility of financial markets.At the same time,by improving the information disclosure mechanism,establishing a reasonable and effective risk management organizational structure,an effective risk assessment mechanism and management plan,and deepening the staff's risk management concept,the bank supervises the overall risk management effect.The whole system is interconnected and mutually restricted,which has positive significance for the overall risk management of rural commercial bank of P city.