The Research On The Risk Management Of Jining Bank

In recent years, the reform and development of China’s banking have made great achievements and positive contribution to promote the economic development and deal with the impact of the international financial crisis. But the process of reform development and transformation of China’s banking, still face a lot of difficulties and challenges.The banking is facing of constantly changing risk forms, continuing to increase the difficulty of risk identification and management. At the same time, the global financial crisis shows that our country banking should actively do risk management work, a bit does not relax risk management.Only in this way banks will not enlarge its own vulnerability, in order to ensure the long-term stable development of China’s banking industry.The New Basel Capital Accord was officially announced in June2004, put forward higher requirements on banks’risk management, a greater emphasis on reliability, accuracy and standardization of risk measurement, highlighting the status and role of the Internal Ratings-Based Approach(IRB) for risk management and capital regulation of the banking provides the direction of development. At the same time, the China Banking Regulatory Commission(CBRC) according to the actual situation of China’s banking industry combined with the relevant requirements of the New Basel Capital Accord, being released guidance for the "China’s banking sector to implement the new Basel Capital Accord","commercial banks within the credit risk rating system regulatory guidelines" and other new regulatory standards, the China Banking timetable for implementation of new Basel capital Accord, which requires commercial banks since the end of2010to implement the new capital Accord, if temporarily unable to achieve the minimum requirements prescribed by the CBRC, suspend the implementation of the new capital Accord approved, but not later than the end of2013.This paper’s the study object is Jining Bank. The paper systems analysis current risk management situation of Jining bank, in combination with jining bank’s actual situation, under the premise of actual needs, learn from the domestic and foreign advanced experience, put forward the phased implementation of the IRB’s strategic plan and develop the Jining bank to implement risk management strategies, in order to improve the the Jining bank’s risk management capabilities, to achieve a goal of modern regional joint-stock commercial banks and enhance overall competitiveness.