Research On Comprehensive Risk Management Of Ji'an Rural Commercial Bank

Finance is the core strength of economic development,economic growth is inseparable from the financial support.In recent years,with the rapid development of the international economic situation,the global financial integration has been deepening,all kinds of financial derivatives are changing with each passing day.The banking industry is facing the core financial strength of the financial system and facing huge financial risks.At present,China's banking industry is entering the deep-water period of reform and the transition period of development.With the acceleration of China's financial system reform process,the financial and ecological situation under the new normal period puts forward higher risk management of China's banking industry The request.The rural commercial banks because of its historical burden,management system and service direction and other aspects of the limitations,compared with other commercial banks,the risk situation is more severe.Rural commercial banks,as an important part of China's modern banking system,are the core forces of the rural financial system.They are the main force in the rural areas and serve the rural areas.Therefore,a set of effective comprehensive risk management system is established to promote rural commercial banks Sustained and stable development,maintenance of rural financial market stability has a crucial role.Based on the above thinking,taking Ji'an rural commercial bank as the research object,this paper first introduces the background and significance of the topic,the research status at home and abroad,expounds the definition and classification of commercial bank risk and the basic meaning of commercial bank risk management,The necessity of bank risk management is analyzed.Secondly,it elaborates the meaning of comprehensive risk management of commercial banks and the basic content of comprehensive risk management system.Then it introduces the basic situation of risk management of Ji'an rural commercial bank,points out the shortcomings of risk management of Ji'an rural commercial bank and analyzes the causes of its formation.Finally,on the basis of the above research,this paper puts forward the corresponding countermeasures and suggestions for the further improvement of the comprehensive risk management system of Ji'an rural commercial bank,and provides decision-making reference for Ji'an rural commercial bank to establish and improve the comprehensive risk management system.