The Research Of Reengineering The Risk Management Process Of XingYe Bank JiLin Branch

At present, the financial market environment both in domestic and aboard arecontinuing to deepen and competition become more and more intensification. Thissituation ask for higher requirements for small and medium-sized joint-stockcommercial bank’s risk management. Further more commercial bank riskmanagement process reengineering is to cater to the requirements of The Times, it isthe inevitable choice for banks to get persistent development.This paper first introduce the organization framework and the division’sresponsibility regarding risk management system in xingye bank according to thepractice, detail descript position setting and job responsibilities of the bank riskmanagement department of jilin branch, emphasis on the problem analysis happed onrisk management in jilin branch, for example, poor coordination between differentdepartments and the low degree to matching, lack of flexibility in risk managementprocess, and weak awareness of risk management and idea. And then illustrates therisk management process adopted by jilin branch currently.detailed explanation thesix stage of the risk in the business process before the credit investigation, creditreview and evaluation, credit, credit decisions, credit and management after credit,analyzes its existence risk of business process which can be changed and addedthrough the use of reasonable combined with outsourcing and other professional,scientific means to improvement and optimization the risk management process,Finally exerts the method of empirical study and academic norms, firmly grasp theobjectives and principles of bank’s risk management process reengineering after reconstruction the risk management organization structure and process of jilinbranch.the construction of a new organizational structure can enhance the flexibilityand flexible in a certain degree and can realize reasonable authorization andseparation of powers, make employees to look at their jobs the position andcontribution in their work at the same time to change the original cooperatively,unrelated condition between the functional departments, which makes Banks fast andsensitive response to the outside environment, enhance the quality and effect ofservice customers. While the generation of new process has following threeadvantages. first, the risk of the bank,the reach mark change the past creditbusiness of customer base data collection way increase the participation of auditdepartment letter, so that you can immediately recognize and prevent the happeningof the risk second, pay more attention to credit management, risk management andthe development of the credit business department at the same time carry out this link,ensure the integrity and security of the whole process Third, increase the outsourcinglink, the assets of bank through a third party professional organizations can increaseits stable and secure.At the end of the paper in order to give the bank’s risk management mechanismand process reengineering strong safeguard, constructive use of modern informationtechnology enterprise culture transformation and the change of leadership form ishighly recommended...