Risk Management Of Financial Companies Under The Condition Of Interest Rate Marketization

The banking financial institutions are facing continued competitive pressure, since the marketization of interest rate has become an important aspect of the financial market reform promoted by its accelerated process. Generating future affect for business structure, management mode, rate risk management,liquidity risk management, credit risk management etc. are the most direct representation as narrowing spread goes caused by termination of spread protection. Comprehensively the risk management of banking financial institutions in the environment of interest rate marketization is till at the exploratory stage.Financial companies, as the financial institutions of the banking industry survived internal large enterprise group, has suffered the low-level risk respond capacity due to its small size, low qualification of employees, limited business scope and company qualification, highly dependence compared with large enterprises group. Particularly under the background that interest rate marketization continually deepen reform, gradually enlarged inferiority, disadvantage risk management technology means and insufficient risk tolerance capacity cause the financial companies serious threat for their surviving and development.Taking the A(certain financial company) as the research object and combined with the development of national financial market’s overall environment and financial company industry situation, this thesis will explore the practical risk solution under the present condition of rate marketization through deepening discussion and exploration of risk factors. The most important is to enhance A’s risk respond capacity by carrying on the key elaboration from three aspects including interest rate pricing mechanism, liquidity stress testing and customer credit risk tracking system setup. This thesis is aimed to raise suitable risk control means and strategy for A based on its current situation in the terms of advanced risk management experience and research in the industry.