The Research On The Comprehensive Risk Management System Of Commercial Banks

Risk is a common factor affecting financial behavior in the financial industry. Sincethe1980s, the world economic pattern changes, the degree of economic globalization,liberalization and innovation deepen, the global financial industry enters a rapiddevelopment period. At the same time, the destructive force of bank risk is becoming moreand more obvious, in serious market and credit risk’s impact, coupled with the impact ofeconomic fluctuations, the risk management of commercial banks became one of theimportant and difficult problems that the various countries’ banking and financialregulatory authorities to increasingly focus on. Due to the mutual and the variety of risks,the single risk management has not been able to meet the requirements of banksmanagement, the comprehensive risk management of banks is urgently needed. After theoutbreak of the subprime crisis, banks pay more attention to its banking supervision andrisk management. In strengthening internal control constraints, how to make use ofreasonable configuration and effective value-added capital, enhance the ability ofcommercial banks to resist risks, establish management goal in an acceptable limits of riskand realize the bank value maximization, have been the subject of banking businessmanagement research.Through researching the commercial bank’s comprehensive risk management system,the commercial banks internal control and risk management, economic capital and riskmanagement, the article believes that the internal control system and economic capitalmanagement have integration feasibility. By analyzing the drawbacks of our countrycommercial bank in the existing risk management system, integrating the risk managementtheory, the internal control theory, the economic capital theory, in this paper, therequirements of bank economic capital supervision and the objective need of the bank’sinternal control are combined, a comprehensive risk management system based on internalcontrol and economic capital from the perspective of integration is established, in order toimprove the comprehensive risk management of banks. At the same time, after studyingthe comprehensive risk management system based on the integration of internal controland economic capital, with QB bank as an example, this paper analyzed the QB bank risk management system, and based on the comprehensive risk management system thatintegrating the internal control and economic capital, designed QB bank risk managementsystem and thinking it.