Researching On The Risk Management Of Commercial Bank's Intermediary Business

With the economic development and the joining of foreign institutions, intermediary business is developing fast and becoming the focus of competitions between Chinese commercial banks .Meanwhile, the risk included in intermediary business is more and more outstanding, and the risk management of commercial bank's intermediary business was put into agenda.Intermediary business is the activities off balance-sheet, which generate non-interest income of commercial banks. Almost all varieties of risk in bank could be found in intermediary business. However, the risks of intermediary business are covert, various, and mass, the risk management of commercial bank's intermediary business is more complex than other business risks.The risk management of commercial bank's intermediary business belongs to the risk managing of the whole bank, so the discussion on the risk management of commercial bank's intermediary business in this thesis is based on the whole financial risk management theories, whose developing is introduced here. Papers of Basel committee are the best mature theory and the best experience of commercial bank risk management theory. We can learn a lot from them and western bank.As Chinese commercial bank started intermediary business later, intermediary business in china is not mature, and falls behind international advanced banks as far as intermediary business and their risk management. There are many problems existing in risk management of intermediary business of Chinese commercial banks, such as: backward legalese, deficient supervision, scarce risk consciousness, unreasoned organizing structure, uncompleted system, dissatisfied employees, unrestrictive accountings , information not disclosed enough and so on.So, I give several ideas about how to improve our risk management of intermediary business: complete financial legalese, check fresh bank and intermediary business strictly, build scientific supervising system, compete internal control structures, model accounting dealings, introduce economic capital management, improve risk managing methods and so on.