"A" Commercial Bank Risk Management Research

Among a high-risk and heavy-debt industry, commercial bank was subject to a variety of risks since its birth but its risk management is much difficult. With the business development and increased competition, the risks faced by commercial banks showed complex features; Therefore, scientific means and methods to effectively manage risk are essential to a commercial bank to maintain steady and sustainable develop. This paper begins with the basic theories of risk management to form an objective and comprehensive understanding of its concept, components, methods, tools and relationships, mentions the main risks faced by "A" commercial bank in "S" City, including credit risk, liquidity risk, market risk, operational risk and compliance risk and analyses risk management status, main problems and related countermeasures for "A" commercial bank in "S" City. Based on comprehensive theory of risk management and internal control theory and combined with related cases about the marketing process risks and mitigation measures of "A" commercial bank in "S" City, this paper concludes appropriate recommendations among internal control system, risk safeguards system, commercial banking operations monitoring and other aspects.