The Study On Risk Management Of The Human Capital Investment For BC Commercial Bank

Whether the enterprises operate success,In the final analysis, it depends on the human. Marx’s Materialism economics holds the view that production determines relations of production., The human with labor capacity is the most active factor in the productivity.In the land resource, capital, labor, these factors of production, the human can become the carrier of other elements, and thus plays a greater role, while the human also have the irreplaceable advantage that other factors don’t own. Deng Xiaoping said, science and technology is the first productivity. The human With science, technology and other talents is the first in the first, the talents have become an important capital. The investment on the human capital can obtain the infinitely possible return, but the risk will be with the investment. It is every enterprise must face and solve the important problem how to effectively prevent and avoid risk, invest rationally, finally obtain expected income. The human capital investment is the key factor of enterprise management. If the human capital investment puts in use reasonably and effectively, the active factor and innovation factor can be activated in the enterprise, the core competitiveness can be enhanced for the enterprise development. Many enterprises attach great importance to investment in human capital development, but the human capital characteristics of complex inner, and the influence of external factors, result in the presence of numerous variables in the human capital investment. The human capital investment risk appears. On the other hand, China’s capital market development is not mature and perfect enough, the market there are many factors that affect the investment of human capital development, so it is easy to produce all kinds of investment risk.Over the years, the domestic and foreign scholars and experts have done a lot of useful exploration and research on the management of the human capital investment risk, and have achieved fruitful results. These achievements extend the theory and practice of human capital investment risk in depth and breadth, play an important role in the actual business activities. However, the current researches on commercial bank risk of the human capital investment is little, and can"t form a relatively mature theoretical system and practices. In this paper, from the perspective of BC commercial bank, the investment theory about human capital and risk theory are put in use to analysis, identify the human capital investment risk of BC Commercial Bank. make the empirical analysis and evaluation by using actual data, according to the results of the analysis put forward pertinence and actual operational advice. In order to guide BC business banks, long-term mechanism are established to avoid and prevent the risk of human capital investment, that expected to promote the BC commercial bank investment in human capital and income-of rationality, as soon as possible, so as to promote improve business performance and development strategy of BC commercial bank. In theory, we hope this research can enrich the human capital investment risk theory, and open up a new perspective.