Research, Risk Management Strategies Based On Comprehensive Risk Management Theory, China's Commercial Banks

The risk of commercial bank has accompanied by and inseparable. Along with the development of banking and market competition intensifies, banking risk also presents the complex characteristics. Chinese Banks have already entered the overall competitive era, comprehensive risk management become domestic commercial Banks for sustainable development, the competitive advantage of one of the most important ways. Modern commercial bank's risk management has from the credit risk management, to include credit risk and market risk, the operating risk, liquidity risk and risk of reputation as a series of comprehensive management risk types. The global financial on domestic banking effect, more highlights the importance of comprehensive risk management and urgency.This was the most representative set academic seven categories of the definition of a "risk", and as the breakthrough point, the risk to risk management, risk management, and gradually progressive, finally through to the commercial Banks in China, analyzes the present situation and the existing problems in the enterprise risk management, integrated framework of construction of commercial Banks in China is put forward new capital accord implementation of overall risk management system, the key is according to the value of "based on risk management concept, improving and optimizing the risk management of the key value driving factors, and the structure of corporate governance of commercial bank, the effective permeability of commercial bank risk management culture, expressly commercial bank risk management, establish the risk identification and monitoring system, improve the level of risk management techniques and to establish and perfect the internal control system, and remove obstacles of risk management of commercial Banks in China. To improve the business bank of our country risk management ability, enhance the core competitiveness of commercial Banks, to realize the sustainable development, has important guiding significance.