Research On The Risk Management And Strategy Of State-Owned Commercial Bank In Xi'an Under The Situation Of Opening Economy

The state-owed commercial bank is the main body of our country finance industry, with maintaining the lifeblood of the national economy and its security, it has a very important status during the process of our country's economic and social development. Therefore, the state-owed commercial bank's risk degree and its guard quality, not only directly affect the bank's survival and development, but also do the coordination and development of the whole national economy fast and healthily .Especialy,with the speeding up of the global finance integration process, how should the state-owned commercial banks cope with the brand-new competition situation, construct a new pattern of the holistic risk management, enhance the financial management and controlling level has become urgent. Xi'an, as an oversized city in the west of our country, is the biggest economic, trade, informational and cultural center in the northwest area. However, because of various reasons, the economic strength and management level of Xi'an is not proportional to its status.There are al: kinds of financial cases emerging one after another,and its quality of banking assets is at the back of our country. To the situation, this article introduces ecology concepts to financial field, uses the ecology methods to analyze the financial risk issues. It adopts the methods of applying theory to reality, macroscopic and microscopic, the qualitative and quantitative analysis, the static research and the dynamic research. By using all these methods, the article discusses the risk problem of commercial banks, analyzes the reasons that cause bank risk.Also it asserts that, under the economic situation of enlarging opening to the foreign, state-owed commercial banks in Xi'an must integrate with the characteristic and the rule of regional economy, learn the advanced risk management experience from the famous international commercial banks, choose a developmental strategy different from the eastern and the foreign finance, construct a risk management system which has the Xi'an characteristic through improving internal control, exterior supervising and creat a good financial ecological environment.