Reseacrh On Risk Management Of A Bank Jilin Branch

Progressive development and increasingly sophisticated market system bring ahuge change to the bank’s operating environment, China’s commercial banks movefrom the old system to the new system gradually, though still preserved traces of theoriginal operating system, but also constantly adapt to the change of the newinstitution and the environment, and actively seek their own development path. Risksof commercial banks has attracted more and more attention from academia, therefore,further study the risk management of commercial banks will be more and moreimportant.Commercial bank is a special enterprise management risk, at the core of moderneconomy. The level of risk management directly determines the success or failure ofthe Banks themselves, and economic safety has a direct relationship. In the processof the development of commercial Banks, risk management has become animportant part of commercial Banks. International organizations, experts andscholars and the Banks themselves continuously introduce a variety of riskmanagement theory and risk management techniques, tools and models, to guide therisk management of commercial Banks. With the implementation of the Basel NewCapital Accord, many Western commercial banks have formed a set of strict riskmanagement system, but China’s commercial banks comparison, is still in its infancy.Spring2006, the United States subprime mortgage crisis broke out. In August2007,the subprime crisis began to spread across the United States, the European Unionand Japan, the world’s major financial markets, and the outbreak of the subprimecrisis makes people increasingly attach importance to risk management, at the sametime, also give the China’s banking on the alarm.The risk of commercial bank is objectivity, hiding, infectious, controllable,uncertainty, acceleration and involved in sexual characteristics, our country is no exceptional, reasons are diverse and complex, so we have to protect against anddissolve the financial risks. Since the1970s,Reform and opening up is graduallyin-depth, the global economic integration accelerates, the risk of commercial bank ismore and more prominent, global or regional financial crisis break easily, that willthreat the economic security of our country further.Commercial Banks will encounter a variety of risks in the process of operation,in order to improve the work quality and efficiency, further to increase the profitsand ensure the commercial Banks develop healthy， we must pay attention to riskmanagement, do risk control well, grasp the risk management methods and means,enhance the scientific nature of the risk management.Therefore, in order to adapt to changes in the domestic and internationalsituation, China’s commercial Banks must improve the commercial bank riskmanagement system as soon as possible, improve their risk management level.Firstly this paper summarizes the situation of risk management at home andabroad,compares the domestic and foreign risk management strategies, points outsome of the difference and gap of the risk management between China and aboard;According to the specific risks of jilin branch of bank of the people’s livelihood,summarizes the risk management present situation and the specific problems of jilinbranch of minsheng bank’s; Then according to the people’s livelihood bank of jilinbranch macro environment and micro environment, this article uses SWOTanalysis, indicates the strengths, weaknesses, opportunities and threats of jilin branch,provides theoretical support and technical support for the choice of risk managementstrategies and measures; Finally, this paper summarizes and prospects.