Basel Ⅱ & The Construction Of Enterprise-risk-management System For Chinese State Commercial Banks

Since the 1990s of last century, with the economy globalization and the tremendous changes in economic and financial environment, the risk of the banking business was increased. The supervision should improve the sensitivity of the capital to risk assets. The "International Convergence of Capital Measurement and Capital Standards:a Revised Framework" come into being.Paper refers the main content of Basel II,combine the 8 essential factors of Enterprise-risk-management system,with the beginning of fact,,discussing the construction of Enterprise-risk-management system for Chinese State Commercial Banks.Firstly,paper Firstly,the paper given an overview of the evolving process from 1988 to 2004 of Basel Capital Accord which functions an international accord for risk; and briefly analyses the main content, the basic objectives, the realizing mechanism and the main characters of Basel II. Secondly, instruct the meaning of Enterprise-risk-management system & its 8 essential factors.Then, analyse the current situation in Chinese State Commercial Banks.Finaly,giving the suggestions in 4 aspects.