Inquiry Of Our Commercial Bank Risk Control Problem

As the process of economic globalization is expanding constantly, the role of capital market plays more and more important in the economic system, and the bank which is the core of the financial system, its status can not be replaced. The outbreak of the economic crisis makes the society pay more attention of the bank risk control. At present time, comparing to the western developed countries,the bank risk management system construction in China is relatively weak, risk control system needs to be further improved.According to banking risk control problem of our country, this paper studies the basic theory of global banking risk management, combined with actual situation on the development of China’s commercial Banks, analyzing the current situation of our country commercial bank risk control. The paper expounds the contents of the new Basel agreement, and reference for the classification of the bank’s risk in Basel, the risk of commercial Banks in China can be divided into credit risk, market risk and operational risk.The article analyses some basic models of credit risk, market risk and operational risk as well as some of the limitations of each model. At the same time, due to the ICBC has the largest assets among the bank in the world, the article selected the ICBC as an example, to its credit risk, market risk and operation risk are analyzed and calculated the bank’s capital adequacy ratio. Through the analysis of specific examples, we put forward relevant suggestions which we should strengthen the risk management of commercial Banks in our country by internal control and external supervision.