| Banking is a special industry, its particularity is that commercial banks are financial enterprises of operating currency, it mainly uses social deposits and other borrowings as working capital,the percentage of its equity capital is low, this feature decide that the Banking is a high-risk industry. Bank risk is a important issue the market economy countries urgently need to address, it will not only threaten a country's economic development and stability of economic order, but also directly affect the international economy Development and international political stability in the rapidly developed global economy,China's market economic system has been initially established, the traditional planned economy system has been broken, but the market economy is still not complete, with instability of the economic system during the transition period. To the commercial banks that operating in the market economy, both the business environment and the operating mechanisms are quite different from the era of planned economy specialized banks. The new operating environment, the pursuit of profit maximization of the business objective bring an unavoided severe problems to commercial bank - banking risk management. Commercial bank risk management of commercial banks is the core management, the quality of commercial banks'risk management directly related to the life and death. State-owned commercial banks have to take advanced risk management theory and methods, increase the level of comprehensive risk management, the WTO can achieve real international standards.The New Basel Capital Committee issued On June 26, 2004 includes the banking regulatory minimum capital requirements, external regulation, market constraints such as the principles of the three pillars of the bank's risk management ,overall risk management ideas and methods to the new summary And norms. New Basel Capital Committee marked the promulgation of bank risk management into a comprehensive risk management era. China's commercial banks must keep up with international trends in the development of risk management, strictly in accordance with the new framework of the contents of the agreement, make the best of bank risk management concepts and advanced technology to improve the management of China's commercial banks, improve their risk prevention mechanisms, to adapt to the increasingly fierce the competition needs.In this paper, the starting point is the light of the new Basel Capital Committee, discussing the construction of China's state-owned commercial banks comprehensive risk management system, strengthen of risk management.Papers include six chapters. The first chapter outlines the purpose and significance of the topics ,issuing the main content and methods of papers in the current situation at home and abroad to study reviewed on the basis of the papers. Chapter two introduces the improvement of the New Basel Capital Committee compared with the old committee compared, specifically agreement on the new capital of the three pillars of risk management and the requirements providing a theoretical basis for writing this paper. In chapter three it systematically analyses the influence on China's commercial banks risk management of the new agreement in the minimum capital requirement and market constraints, identified China's commercial banks in risk management deficiencies. In chapter four it specifically descript the three aspects of the state-owned commercial banks how to build a comprehensive risk management system from the combination of state-owned commercial banks risk measurement framework, the banking venture capital management system, an effective mechanism for bank risk management with the model. Chapter five give advices to how to enhance risk management of commercial banks, how to establish state-owned commercial banks'comprehensive risk management system to protect the proposed recommendations, using the empirical analysis of additional capital demonstrated the feasibility of the program added mechanism of capital. Chapter six is the conclusion of the paper, the paper also pointed out the limitations of existing and future direction. |
