Research, And Improve The Risk Management Strategy For The Use Of Joint-stock Banks

With China's financial reform, the joint-stock banks develop rapidly and have became an important strength that can't be neglected in our financial system and national economy. Under the double background of the intensifying competition in Chinese banking industry and current world economic crisis induced by the subprime crisis in US, the joint-stock banks are facing serious challenge and threat. The risk management of joint-stock banks is gaining more concerns than ever before. Compared with large commercial banks, the organizational structure,management and market operation of the 12 joint-stock banks are better than the larges'. It is also because of this, the risk exposure are more deserving of attention. But on the other hand, their risk management level is too low because of the late start and the lack of risk ideas. Therefore, it's so important and urgent to perfect the risk management system and improve level of risk management in the joint-stock banks.This paper use the empirical and normative analysis, historical and comparative analysis, than combines qualitative and quantitative analysis, macro and micro analysis method on the base of finance,economics and management theory. The paper makes the reality of the joint-stock banks as the core to research. The literature of research achievements at home and abroad has been summarized first. Then the paper is discussing the existing problems of the joint-stock banks from credit risk and market risk, liquidity risk and operational risk and other kinds of risk angles by comparing and analyzing the risk management ability and external environment foundation of the joint-stock banks, big banks and foreign banks in China. We find the most important reason is the lack of scientific and effective theory and method. So the paper puts forward to quote multi-dimensional risk measures to survey and control the risk management, and making SPD Bank as an example, using the method. At last, this article raises relevant management measures from banks, the government and enterprises, and promoting the joint-stock banks risk management system is established and perfected together.Based on the above analysis, it is because lack of handling the relationship between various of risks so the joint-stock banks have many risk problems. All kinds of risk is closely related and have the mutual influence. Multi-dimensional risk measurements system can help the joint-stock Banks to handle all kinds of risk well. Under the environment that the joint-stock banks cannot build and improve Total Risk Management system, the introduction of multi-dimensional risk measurements system is a feasible and flexible risk management measures.