The Influencing Factors And Strategies Of Risk Management Of State Owned Banks

In the economic crisis, the commercial bank risk management level affects the survival of the banks, the bank’s risk management ability can cope in the face of economic crisis, and to ignore the risk management of banks may be due to poor management of bankruptcy risk,leading to market down eventually fail. Bank internal risk management control and regulatory agencies neglect of the cycle of economic law are important reasons causing the crisis event.According to the new capital accord, loan loss measurement methods of risk management of commercial bank and the fair value pricing methods have become the key factor of economic variables of periodic effects. In addition, the efficiency of the risk management of commercial banks also have important influence on the cycle of change, the management ability is a kind of restriction. After the arrival of the world crisis, people in the use of risk management system, looking for more advanced management and more effective management system to deal with risks.In this paper there is a comprehensive risk management framework, we will collect cases of state-owned banks including Bank of A business units and functional departments in different positions on the staff, the bank risk management efficiency of cognition. Two dimensions by descriptive statistics and regression analysis method from the internal factors and external factors of the risk analysis of determinants of the efficiency of Chinese commercial banks. Among them, the internal factors mainly investigated from the aspect of management of the A bank index, external factors mainly investigated from macro financial environment faced by A bank, the questionnaire data through statistical analysis, respectively,verify the influence degree of factor of the above two kinds of influence on the bank risk management efficiency. Finally, through the empirical analysis, put forward the relevant policy suggestions.The results of the study show that, in the banking industry, macro and micro environmental aspects have a great effect on the bank’s risk management. From the analysis of micro environment point of view, the comprehensive risk factor of commercial banks are facing greater chance encounters, the greater the risk management risk; from the banking industry itself, market capacity constraints have important influence on the commercial bank risk management efficiency; while in macro economic angle analysis, China’s commercialbanks risk management efficiency obvious periodicity, risk management ability should be with the market changes, the market situation is good, the risk management ability is high, the market environment is not good, the risk management ability is low. Bank risk management ability has a certain cycle, this cycle, the market will lead to cyclical changes in the economy,since the subprime mortgage crisis, we must strengthen the risk management of the commercial banks efficiency.About the future research of this paper there are the following two points the direction:first, this paper will be the actual capital of commercial banks as research variables, there is a certain one sidedness of method choice, with the research on the risk management system of in-depth, in future research, to take into account the risk management organization structure,risk awareness and team command system of three aspects of influencing factors, to achieve the comprehensive evaluation of the risk management system. In this research, no consideration on the bank risk management issues. The evaluation of risk management, cost factors is very important factor, in the future research will have to pay more attention to.