The Analysis Of Listed Commercial Bank's Risk Control Capability

With the development of economy and the gradual opening up of financial markets, Chinese commercial banks face serious competition, it need to improve the competitiveness of commercial banks in China, particularly listed banks, that is, the risk of bank control. Subprime mortgage crisis in 2007 turned into a century financial crisis that we can hardly to see, so far in 2 years, it has a significant and far-reaching impact, to a certain extent, contribute to global financial turmoil, many financial institutions particularly banks fall in this the crisis, we must draw lessons from it, to raise the the ability of commercial banks to withstand risks, and on this basis to improve profitability, strengthen the integrated management of banks. At present, the risk of major Chinese commercial banks are credit risk, with the fast speed of commercial banks's interest rates ,market risks are also increasing exposure, operational risk and liquidity risk and a series of risk have been found in all commercial banks business. China's commercial banks improve risk management system without the United States, if the impact of the crisis may be greater, so the intensifying competition in the commercial banks, risk management, the first priority should be given due attention, China Construction Bank for the development of risk management model , China's commercial banks exist in all types of quantitative risk management, risk adjusted returns.From the perspective of the financial crisis, starting from the two aspects of China's 14 listed banks in risk control ability, an aspect of risk management is based on the basic theory for the new Basel Capital Accord requirements, through a comprehensive risk management methods, from credit risk, market risk, operational risk and liquidity risk each of four aspects of risk management of listed banks in China; the other side by selecting representative indicators to analyze the profitability of 14 listed banks profitability. Finally, a summary of the previous content, and propose policy recommendations to strengthen our commercial bank risk management and profitability, to ensure the stability of commercial banks and sustainable development.