Risk Control Of Commercial Banks’ Capital Centralized Management

In China, city commercial banks of China’s financial sector is the most important part of the financial problems of business management has been an important part, the degree of financial risk management, determines the bank’s operating efficiency and future prospects. For city commercial banks, strengthen financial management, prepared to deal with financial risk for the bank’s continued development has a positive effect. Promulgation of the new Basel marks the arrival of the era of comprehensive risk management. In order to improve the level of financial risk management of China’s city commercial banks have to accelerate the construction of a comprehensive risk management.In this paper, based on extensive literature review to banks and financial risk and control of funds under centralized management model for the study, with previous studies on related issues, combining theoretical knowledge of economics, management, etc., of the current commercial bank funds management problems and risks faced by a specific analysis. Proposed bank funds centralized management model and related optimization measures, and QD Bank, for example, with the actual situation, analyze its centralized capital management risk identification, assessment and control measures in the identification and assessment of the basis for centralized management of funds, combined with the actual situation of the banks, financial control and reasonable measures to avoid problems in the management of occurrence, and promptly respond to risks and promote the development of banks and improve economic benefits.First, the status quo of China’s city commercial bank funds centralized management are described, the problems of the overall generalization;Secondly, an analysis of the financial status of the risk of bank funds under centralized management model to identify the causes of the bank ’s financial risk, as well as existing controlled circumstances;Finally, by analyzing the characteristics of the risk management process of foreign banks, the gap between China and foreign banks, which gives us inspiration to risk management, to the lessons learned, the feasibility of the measures proposed bank-wide risk management, and QD Bank example for future urban commercial bank risk management provides a new direction and measures.Thus, capital city commercial banks studied in this paper focus on management and control of financial risks, city commercial banks for the status quo to achieve a comprehensive risk management, promoting the development of city commercial banks, has a certain significance.