Research On Risk Control System Of J Commercial Bank

In recent years,in the context of increasing domestic economic downturn,financial risk incidents and fraud cases have occurred frequently,and regulators have continuously adopted high-pressure policies to rectify financial market chaos,making commercial banks once again recognize the importance of risk control in the development of banks,strong supervision is still a development trend.As a service industry highly dependent on reputation and operating risks,commercial banks are easily affected by internal and external risk factors.In direct competition with banks in the international market,risk control not only determines the core competitiveness of banks,but also matters National financial security.To this end,commercial banks urgently need to establish a set of effective risk control system that suits them,grasp the initiative to prevent and resolve financial risks,rebuild a compliance culture,and adhere to the bottom line of risk.This article integrates commercial bank risk control and internal control,and on this basis optimizes the design of J commercial bank's risk control system.This article is divided into six parts.The first chapter introduces the research background,theory and practical significance of this article,and summarizes the relevant literature reviews at home and abroad.The second chapter is the theoretical basis of the full text.It introduces and compares the risk concepts of Basel and COSO and relevant domestic standards,and has a deep understanding of the meaning,system and implementation of risk management and internal control of commercial banks.The third chapter introduces the basic situation of J Bank and the current status of the risk control system,and deeply analyzes the current main problems and reasons in the internal environment,information communication,risk identification and evaluation.The fourth chapter puts forward the optimization plan ofperfecting J Bank's risk control system,and clarifies the optimization goals and principles.Optimize the internal environment by strengthening the governance structure and personnel training;through process subdivision,introduction of risk measurement methods,and promotion of system construction to strengthen risk identification and evaluation;by improving the communication mechanism and formulating defect judgment standards to optimize information communication and internal supervision.Chapter V puts forward the implementation guarantee measures of J Bank's risk control system optimization plan from the aspects of corporate culture,capital supplement,system implementation and supervision.Finally,the article summarizes the full text and points out the shortcomings of the research.I hope this article will help J Bank's risk control system optimization,and at the same time help banks improve their core competitiveness,ensure national financial security,and promote high-quality economic development.