Research On Risk Management Of Cross-border RMB Business In Bank D Bank A

Since the reform and opening up, China's economy has developed rapidly, foreign trade and investment activities have become increasingly frequent, and the overall national strength has been significantly improved. Compared with the country's economic aggregate and the import and export scale, the status of the RMB in the international monetary system is too low to promote the economy to develop. Therefore, our country proposed a strategy of internationalization of the RMB, In 2009, in order to accelerate the internationalization of the RMB, we launched cross-border RMB business. Today, cross-border RMB business has gotten a larger scale, the scope of area expanded, and the business types are continuously enriched, innovative products continued to increase. However, the potential risk also continues to accumulate, especially in 2014, China's economic growth slowed down, some enterprises'production and operating conditions became poor, potential risk in cross-border RMB business usually break out, which gave the bank's assets and reputation a bad effect. Regulators of the cross-border RMB business take a market-oriented management principle, hold a positive attitude to promote cross-border RMB business, during the business review process, banks have great discretion, some of the banks'business risk management attitude is wrong, management system and the organization are not perfect, the measures are poor, Some banks think highly of the business growth, while think lightly of the risk management, which became an important factor of the risk outbreak. For banks, how to promote the business development, and improve the level of risk management has become an urgent problem to be solved.In this paper, I take a local state-owned bank branch as the research object, analyse four types of risk in cross-border RMB business by theories, which are credit risk, operational risk, market risk and policy risk. Then I expound the present development characteristics of the bank in cross-border RMB business development, the risk management. By the cross-border RMB business risk case analysis, I explore the cross-border RMB business risk characteristics, analyse the main reason of these risk characteristics:firstly, the concept of risk management is lack of differentiation and comprehensive; secondly, risk management system is not suitable; thirdly, the risk quantization management is not consummate; fourthly, the performance appraisal mechanism is not reasonable; fifthly, the responsibility and personnel setting is not reasonable; sixthly, the risk management execution of the handling personnel needs to be strengthened. Then I clear and definite cross-border RMB business risk management objectives from three aspects, which are credit risk, operation risk, and policy risk (market risk is unified managed by the head office). In this business, the bank's risk management improvement should focus on the following three aspects:firstly, the object of risk management should be changed to the overall risk; secondly, the bank should clear business risk points; thirdly, introduce quantization technology into the risk management. At last, I put forward the specific measures to improve the cross-border RMB business risk management:firstly, establish a comprehensive risk management concept; secondly, establish a correct view of the performance and risk concept; thirdly, strengthen cross-border RMB business the risk management system construction; fourthly, establish cross-border RMB business special risk management organization; fifthly, straighten out the different departments' job responsibilities and risk management responsibilities; sixthly, strengthen the education and training of staff; seventhly, maintain communication with the regulatory agencies, grasp the policy trends timely.