Research Of Risk Control Management Of Y Rural Commercial Bank

Risk,is the problem thatdifficult to avoid for any enterprise,how to control the risk has been the essential and inevitable study of the subject issues for business activities of the enterprise.It is is even more so for commercial bank which is born for profit and facing risk for natural.The history of control of the risk for the banking industry has been last from ancient to there,but the formation of a systematic,theoretical research structure was grown and developed in the past century.Through the development of the past century,the theory of bank risk management has evolved several times,and constantly improved and innovated.It has formed its own theoretical foundation and research mechanism,which is an important part of the great achievements of management,and has integrated the elite work hard.In the course of the reform of commercial banks,the integration of experience and lessons in western economics and management,combined with China's reality,has formed a set of management mechanisms to meet the development of China's own industry,and providing a reliable security for the vigorous and steady development of China's banking industry,made a remarkable contribution.However,due to the vast territory of China,the economic structure is complex,urban and rural differences are obvious,making China's bank risk management system there are all kinds of shortcomings and deficiencies,how to maintain the banking risk control and ensure the stable operation of the banking industry has become a major challenge for China's banking industry needs to deal with.Especially for now,the current economic situation uncertain,the market changes in thousands of circumstances,how to effectively guard against risks,strengthen the level of risk management,has become the focus of financial industry research.For the local characteristics of small and medium-sized financial institutions,especially small and medium-sized rural financial institutions,due to its historical development of non-normative,so that there are inherent deficiencies in the management of theoretical research,in today's rural economy in the context of rapid development of risk management Demand is particularly urgent.This paper analyzes the evolution process of the risk management theory of financial institutions at home and abroad,analyzes the current risk control methods,and evaluates Y rural commercial bank in the various aspects of the actual situation of risk management.Current status and shortcomings of current risk management of commercial banks.And analyzes the advantages of the developed countries' banking experience,analyzes the advantages and puts forward some measures to improve the risk management mode of Y rural commercial bank from different risk classification.The data sources are comprehensive and true,and the listed conditions are the actual business practices of Y rural commercial bank which is of practical significance to Y rural commercial bank and its similar institutions.