Research On The Improvement Of Capital Business Risk Management Of Shenyang Branch Of China Zhe Shang Bank CO.,LTD

Under the new normal economic,the development of China's banking industry has its unique features and characteristics,which is the development growth of bank is slowing,and bank is facing the structure transform and the diversification.The development and management of fund business become the focus in the transformation of commercial Banks.After the different development stage from start,rapid development and the big development wave,fund business in China develop rapidly and financial innovation is increasing,which give the banking industry new challenges.The banking industry focus on business development,at the same time,also must pay attention to risk control.How to avoid the liquidity,credit,market risk when develop fund business and risk control under the complex forms of economic and financial market trend,which is the puzzle that the commercial bank need to think.China Zhe Shang Bank CO.,LTD is focusing on small business and investment banking business as the bank characteristics business,and its fund business has some shortcomings though it is competitive in a certain extent.The fund business of shenyang branch of China Zhe Shang Bank CO.,LTD mainly includes debt,trade business and foreign exchange business and so on.Under the required of the head office' fund management,the fund business of shenyang branch has its own detailed rules for the shenyang branch' fund business management,but also faces with the related risks and risk management problems.The research on the fund business risk management of shenyang branch of China Zhe Shang Bank CO.,LTD has a certain meaning and value.This paper sees the fund business of shenyang branch of China Zhe Shang Bank CO.,LTD as the research object,and has a research on the fund business risk management problems of shenyang branch of China Zhe Shang Bank CO.,LTDcombined with the risk management theory and related research both at home and abroad related to bank fund business and risk management.Based on the selected topic basis of this paper,this article has an introduction to the research background and significance of this research,research methods and contents,the theoretical basis and relevant literature review illustrates at home and abroad.After that the main part of this research has a logical argument.The main body of full text mainly includes three aspects.The first part,having a introduction and analysis on the fund business and the status of fund business risk management of shenyang branch of China Zhe Shang Bank CO.,LTD,finding the problems existing in the fund business risk management of shenyang branch of China Zhe Shang Bank CO.,LTD,namely serious interest rate risk,credit risk control does not reach the designated position,facing the potential of redemption risk and liquidity and easily causing operation risk.After that,having a analysis on the cause of the problem,and finding the causes of the problems in fund business risk management are the interest rate risk management ability insufficiency,the credit risk prevention and control ability is insufficient,lack of effective and reasonable liquidity risk management and daily management mechanism is missing.The second part,putsing forward Suggestions for risk management improvement of fund business of shenyang branch of China Zhe Shang Bank CO.,LTD,finding four aspects which shenyang branch of China Zhe Shang Bank CO.,LTD can undertake efforts from,respectively is strengthening the interest rate risk management ability,improving the credit risk prevention and control ability,improving liquidity risk prevention ability and strengthening the operational risk ability.The third part,giving implementation and safeguard measures for the risk management improvement of fund business of shenyang branch of China Zhe Shang Bank CO.,LTD from organization,system,personnel and technology aspects in order to ensure the concrete implementation of the improvement scheme and measures,and whichever safeguard measures has its own content.This research attempts to find feasible,reasonable and sustainable risk management improvements which meet the requirements of the comprehensive risk management for shenyang branch of China Zhe Shang Bank CO.,LTD in order to make effective convenient bank funding risk management measures and practicalimplementation of the business.This paper hopes to provide safeguard for the development of fund business,the overall management and competitiveness.