The Study Of Precautions To The Financial Risk Of Our State-owned Commercial Banks

China will join the WTO fifth anniversary to, the China money market opening and the development will be able to enter a new stage, this article has based under this time background, first has analyzed the financial risk connotation and has the mechanism, then from the external environment, not the good property, the capital was sufficient rate, the profit level, internal government mechanism five aspects analyzes the our country four great nations to have the commercial bank the present situation, with《Basle Concordat》the request compared, compared with the developed country commercial bank, obtains the our country four great nations to have the commercial bank to have the bigger financial risk. After that one by one analyzes our country state-owned commercial bank to have many problems the origins to include: The financial ecology idea lacks; The property right structure is unitary; The capital supplemented the mechanism is imperfect; The cost of operation excessively is high; The management mechanism and the government structure are unreasonable and so on. Finally at the model developed country experience and under the procedure premise, pointed out should depend upon the government policy support, the bank interior straightens out the relations, after enable four state-owned commercial banks to go on the market unceasingly expands own strength; At the same time, speeds up the legislative work, strengthens exterior supervising and managing, establishes the good finance ecological environment, employs two methods to achieve one goal the guard state-owned commercial bank finance risk. The final goal is the enhancement state-owned commercial bank adaptive ness and the innovation ability, reduces the financial risk; Speeds up the service innovation, the full reassignment, displays each department the subjective initiative, the enhancement state-owned commercial bank's competitive ability, the guard finance risk; Future also will be supposed to establish the financial risk guard method which will attack in order to defend.