Research Of Financial Risk Management For Commercial Bank In China

Financial risk management of China’s commercial banks is an important part ofimproving the core competitiveness. From the current development trends of domestic andforeign banks, commercial banks must adopt the demand of modern financial market quickly,establish sophisticated financial risk management systems. This is the only way which mustbe passed in the development of China’s commercial banks. Therefore, considering the actualsituation of our country, under the guidance of scientific financial risk management theory,adopting scientific financial risk management measures and means, focusing on the reformand innovation in financial risk management, ensuring the functions of financial riskmanagement plays an important role. This paper first introduces the concepts and theories forfinancial risk management, emphasizes the basic theory of financial risk of commercial bankin China, then summarizes the research results of Chinese and foreign scholars in the area ofcommercial bank financial risk. In the next, using financial risk management in PINGANbank as an example, analysis the current states and deficiency，summarizes the reasons whichimpact its financial risk management. At last, gives some Countermeasures and suggestions infinancial risk management for both PINGAN bank and Commercial Banks in China.