Design Research, Comprehensive Risk Management Framework Based On The Theory Of Risk Management Of Commercial Banks

The ability of Management is one of the core ability for the bank's subsistence and development . And the finer ability of Risk Management can create key competition advantage. So constituting the perfect system of Risk Management lays the foundation for furious competition in International Finance.Development of our domestic banking risk management is still on an initial stage. Due to the lack of an integrated risk management system and framework ,the bank have concentrated on rapid expansion with ignoring the existence of risk during a blooming period, simultaneously have shown powerless and helpless as they are facing deteriorate of rising bad assers. The insufficiency of the risk management framework, development not only has affected the improvement of our domestic bank's competency, but aiso has pushed the government to employ a tremendous amount of precious resource to fill in the loopholes. Which leads the waste of resource and drives possible threaten to the security of our financial system and stability of our society.After bad property had been stripped twice, ICBC will push on company administery structure, transform stock-system, and change to a morden commercial bank, which has the lowest risk and the highest profit.Now, ICBC has not built a fit risk management system. As a risk management department of ICBC, we must make a frame of whole risk management system, it is about : which risks commercial bank are faced with, what are specific property of the risks,what are the problems of risk management, why we must make a frame of whole risk management system, what should we do to make it. So we can form a well-knit and all-round risk management system.The thesis thinks that the state-owned commercial banks in our country should draw lessons from foreign advanced riskmanagement theory and methods .define the direction and principle of risk management, and take effective countermeasures and measure to implement overall risk management, inorder to improve the ability that the state-owned commercial banks function and control the risks, and to keep the continual and steady development of state-owned commercial banks of our country. I take ICBC as the object of study, to build a all-round risk management system, whice is fit for ICBC, put forward a new and practicable plan for development of ICBC.