A Researh On Commercial Bank Business Innovation And Strengthen Management Risk Of China

Business innovation of commercial bank, development strategy adjustment is made bycommercial banks to face the market environment changes, in order to adapt the process ofeconomic development of the inter-bank competition, excess liquidity in the market, theconsumer customer base structural changesfinancial disintermediation and other externalbusiness environment changes made to the way business is change. From the internalmanagement and analysis of China’s commercial banks, the traditional business thinking stillexists, backward management mode from the bank’s internal development and transformation.Also,we look at the commercial banking business objectives change to the diversifiedgeneration of full control risk, reduce transaction costs, and adjust the business developmentstrategy, optimizing the structure of the main business, and actively respond to the impact ofmarket risks, to meet the market demand changesbecome the main problem facing thecommercial banks’ risk control process. Only by realizing the innovation of commercial banksto build a sound asset allocation system, expanding profit margins, in order to effectivelydisperse risks, while strengthening the internal management of the commercial banks, theformation of a sound risk control system, in order to provide an institutional guarantee for thecommercial banking business innovation.This thesis is divided into four parts: The first section summarizes the main theories ofinnovation and risk management of commercial banks and its evolution, and analysis of thestatus of the main problems in the development of China’s commercial banks, riskmanagement, it proposes strengtheningthe importance of business innovation and riskmanagement. Second part focuses on intra-industry competition between commercial banks,pressure, pressure from the rising operating costs enhance the relationship between banks andenterprises a shift in the socio-economic development and income levels increasedrequirements of financial innovation, commercial banks in China to strengthen managementbusiness innovation risks arising from the causes of China’s commercial banks and the maindriver of innovation and business innovation. The third part introduces the lessons of foreigncommercial banks in operation in the innovation process, the successful experience of theworld’s leading commercial banks to risk control. Fourth level of internal control andmanagement of risk from l to strengthen risk control in the multinational operations, andestablish an effective early warning management system, the innovation of city commercialbanks to strengthen risk prevention, strengthening the risk of commercial banks, investmentbanking the angle of the control and other countermeasures to strengthen risk management inbusiness innovation.