Risk Management Of Commercial Banks In China Under The Current Financial Crisis

The global financial crisis caused by the U.S subprime mortgage crisis, since the crisis has not yet been bottomed out, and its effect is overall and deep. With the modern commercial banking business types of diversification complicated, and the intersection of a variety of business, it faces the risk is no longer a single risk, but a set of credit, market, operational, liquidity, reputation and other kinds of risk in one's portfolio risk. These risks are intertwined, and each has a strong correlation. Although the foreign assets in our commercial banks accounts for the proportion to be smaller, but with the process of promoting the internationalization, our commercial bank will further involved in international financial market, especially in complex financial derivatives market in depth, financial internationalization will be further strengthened, however the operations and risk management of old and new are interwoven. Face so many challenges, our commercial banking should know how to control the various risk management has become an urgent problem.The article firstly describes the reasons of the crisis, and then the credit risk, market risk, operational risk, liquidity risk, reputation risk and country risk measurement and management techniques were carried out, combined with the background of the current crisis, five aspects of the measures taken by commercial banks and its disadvantages were carried out respectively, and thirdly discusses under the financial crisis situation the risk management of commercial banks in China preliminary practice and the development direction, finally to construct our country commercial bank comprehensive risk management system was put forward.This article is divided into five chapters, the first chapter is the introduction, introduced the background of selected title, and its significance, literature review and research methods are also involved; second chapter analyzes the causes of the financial crisis and its impact of bank risk management; The third chapter describes the commercial banking risk management theory and its goals, and the credit risk, market risk, operational risk, liquidity risk management were studied, and interpretation of its corresponding analysis model; the fourth chapter discusses under current financial crisis the new challenges and the efforts made by China; the last chapter according to the analysis of above the author draw conclusions and recommendations. Through the analysis of this paper have a great significance to guide our commercial banks to avoid at risk and improve our risk management system.