| With tiie J'ierce competition with foreign financial institutions after China' s entrance to WTO, strengthening risk management of national commercial banks is an imminent problem. From (he viewpoint of economic globalization and financial globalization, this thesis mainly researches the influence of financial globalization on the bank risks and intends to discuss the risk management methods of national commercial bank.The preface of this thesis mainly illuminates the tendency of financial globalization and requirements to risk management. Chapter2 mainly discuss the concept, reasons and content of the financial globalization. Chapter!? expounds the five main aspect of risk in national commercial bank, i.e. .signal liability structure,bad loan quality, low capital efficiency, imperfect restriction on interior power, thin consciousness on risk avoidance;summarizes five characters of the bank risks, including risk concentration, moral risk, risks caused by system structure, inequi ty between bank risks and revenues, aggrandizement trend of bank risks;analysis eight reasons for bank risks, including proprietary ownership voidance,macroeconomic fluctuation, ineffective capita] buffer mechanism, enterprise reasons.no synchronous fiscal investment and financial reform, incompetence law and regulation enforcement. Chapter4 argues the opportunities and challenges of the financial globalization and requirement for bank risk management. Chapters suggests the methods for the risk management of national commercial bank. 1. Safeguarded by 4 arrangements,accelerate economic and financial reforms and openness to world,create healthy financial environment. 2. Bui Id up interm bank risk avoidance mechanism including risk discern,risk analysis and measurement,risk control arrangements to strengthen risk management. 3. Analysis and summary the main bank risk management and control methods through case study.The main innovations of this thesis are as follows:1. financial globalization, just as "an two edge weapon" .will put forword challenges and opportunities to commercial bank risks, improper globalization will exacerbate the bank risks. 2. the logic of this thesis is:concept of financial globalization 梩he present risk situation of national commercial bank梚nfluence of financial globalization on bank risks梬ays and methods to risk avoidance. 3. argue the ways and methods to bank risk management from the viewpointof macroeconomics and microeconomics, and employ customer risk analysis model and case study to make this thesis more operative. |
