A Study On Optimization Of Risk Management Of Non-standard Assets In FZ Commercial Bank

In recent years,non-standard asset business has grown sharply.The investment area and the investment scale have the comparable credit business tendency.After the issuance of the “Guidance on Regulating the Asset Management Business of Financial Institutions(New Regulation on Capital Management),the development of non-standard asset business has been significantly affected.As a result,in the paper,it has an attempt to explore on how to develop the non-standard assets business in accordance with law and how to do the risk prevention and control work well under the background of the new regulations of capital management to ensure the steady operation of the related business of FZ commercial bank.First of all,this paper makes an introduction to the theory of risk management and the basic concept of risk management in non-standard business.This paper briefly describes the meaning and classification of non-standard banking business.At the same time,at this stage,it also elaborated on the key problems of non-standard bank business,some common risk management measures of FZ commercial bank.In addition,it reveals the defects of risk management in non-standard business of commercial banks under the present situation for FZ commercial bank by operational research,besides,in accordance with the relevant risk management theory,based on the present situation and existing problems of FZ commercial banks,in the paper,it makes an analysis of the reasons,and finally puts forward some relevant solutions and suggestions for making a study.This article carries on the investigation and research by means of the existing non-standard business as the background,and it's believed that at the risk management of non-standard assets of FZ commercial bank,there are some deficiencies in the evaluation system,the shortage of risk management personnel and the lack of internal risk management,etc,and analyzes that the main reason for the inadequacy of risk management is the shortage of risk managers in organizational structure and management system.The weak awareness of personnel risk management in non-standard asset business leads to the mere formality of risk management.The lag of electronic system construction makes the point that the risk assessment system not be supported by data,and the backward risk measurement system leads to the imperfect risk assessment system of non-standard assets business.This paper briefly introduces the non-standard assets business of FZ commercial bank and also puts forward corresponding measures,such as perfecting the existing business model,constructing a more scientific non-standard asset business risk management system,strengthening the concept of risk management,adopting modern technology to improve the risk control platform and some suggestions to FZ commercial bank.At the same time,it makes an analysis of the overall risk management of non-standard assets of FZ commercial bank to some extent,at the same time,some suggestions and measures were put forward,which is helpful for Chinese commercial banks to better integrate risk management into non-standard asset business.