Research On Transnational Banking Risk Problem Of Our Commercial Bank

In today’s world of economic regionalization and globalization intensifying,and the international division of labor further,engaged in transnational operation has become strategic choice for enterprise survival and development.And according to the principle of commercial Banks to follow customer motivation, the transnational operation of Chinese commercial Banks with the growth of our enterprise’s import and export trade and overseas investment and rapid development. So that the internationalization of China’s commercial Banks not only refers to open the domestic financial market,foreign Banks are allowed to enter the international operation of the domestic financial market,more is mainly refers to domestic commercial Banks “going out”to the host country to transnational management and the development of a comprehensive international banking business.Since twenty-first Century,regionalization of the world economy,deepening globalization,China’s economy is increasingly integrated into the global economy,at the same time along with the rapid progress of the internationalization of the RMB,It offers great opportunities for the development of China’s banking industry. RMB internationalization and Chinese funded enterprises “ going out ” mutual promotion,because of the “going out”of Chinese enterprises, so as to promote the internationalization of commercial banks.The implementation of “Chinese Belt and Road Initiative”strategy,in cooperation with a series of key,In order to make the domestic financial institutions to make better use of the abundant international resources and markets,develop overseas business,promote the development and growth of enterprises,the Chinese government has formulated a series of economic and financial internationalization strategy.With more and more foreign investment,China’s banks have established business relations with more countries or regions.With the international active international Banks have rich practical experience,the vast majority of commercial bank transnational operation in China started late,relatively backward management mode,our commercial bank institutions overseas limited scale,and low management level,with the local bank competition,it is difficult to account for the initiative,more important is less on multinational management experience to face all kinds of risk management.Although China’s commercial banks will be located in the foreign key areas of political stability,with the gradual saturation of the market,so the business with Africa and Latin America also has a growing trend,with the regional risk of the two areas of the business will inevitably increase the risk of China’s commercial banks operating in China,the possibility of loss of risk,risk management ability as the core competence of commercial banks,the level is not only the key to commercial banksand business development level of vital importance,more stable operation of the entire financial market and development and progress of the foundation.Constantly improve the risk management mechanism of the construction level,and strive to adapt to the social and economic situation and social development speed.China’s commercial banks risk management technology,internal control management mechanism,risk management information system construction,and other aspects of the impact on the one hand by the external environment,on the other hand,under the dual pressures,the lack of overall planning and comprehensive risk management system is not formed.In this situation,the healthy development of China’s commercial banks and the stability and prosperity of the financial system will be affected.The inevitable to enter the Chinese commercial Banks have heterogeneity and diversity of international business environment,to face the risk is also more complex and unique, therefore, in the increasingly fierce international competition,became the important strategic steps of promoting the internationalization of commercial Banks.It has important research significance to promote China’s national economy development rapid and to maintain the stability of China’s financial system.This paper set the object of study to our country commercial bank internationalization management is faced with the problem of risk,With the sustained and rapid development of China’s economy and the deepening of the degree of global economic integration, the increasing internationalization of business activities of commercial banks,Transnational business activities has made great achievements,but with the multinational bank owns rich practice experience, relatively speaking our country commercial bank overseas backward mode of operation, limited size, and business low,it is difficult to take the initiative in the competition with the local banks,and with the expansion of commercial banks’ overseas business scope and the increase of the product,In the face of increasingly complex international environment and regulatory standards, this requires commercial banks to continuously improve the level of risk management,to accurately identify every risk in cross-border operations,analysis of its impact factors. Aiming at the main risks faced by the international business of commercial banks,in comparing with the active international Banks in the world,it is concluded that China’s banking risk management problems,at the same time actively learn from the advanced risk management techniques, in line with the overall risk management framework,to explore the effective management of transnational operation of Chinese commercial Banks risk countermeasures.