Research on Risk Management of Commercial Banks in China
ABSTRACT
Risk management ability is the bank's core ability, commercial bank risk management ability, or directly affect the bank existence. At present, the domestic commercial Banks between intensive competition. But China's commercial Banks in risk management, no matter risk management concepts, or techniques, methods, etc. Are all western developed countries in Banks have difference.
This article from risks to China's commercial Banks include credit risk and market risk, operational risk, simply analyses based on the risk management of commercial Banks in China, the existing problems of the first, internal control mechanism owe perfect, lack of necessary operational norms, Second, is lack of effective system funds dispensing frontal capital cost accounting mechanism, causing the payment risk and position risk, Third, it is the necessary monitoring mechanism is yet to be established, beforehand, things of early warning forecast mechanism; Fourth, internal supervision level is not high, authority is insufficient; Fifth, accounting control ill supervisory, cannot prevent frauds happen. And corresponding proposed enhancing risk management advice.
