A Study On A Branch Of Construction Bank Financial Risk Management

Commercial bank is a typical high-risk institutions,because it not only has the management risk as general enterprise,also has a special financial enterprise risk,and the financial risk is the main risk banks face.Because once the financial problems of banking happen,it can spread to the entire financial industry,serious when will affect the healthy development of the whole social economy.Banking on the major effect of the financial sector is as the research object in this paper,the bank's financial risk management of the important reasons.Although the bank will finance risk management in recent decades as the core of its management problems,significant results were obtained in the financial risk management,but the bank's financial risk is still a lack of effective prevention and control measures,the bank bankruptcy case still happen.In this paper,the research object as A branch of Construction Bank,first with selected topic background and significance,at home and abroad are introduced in the present research on financial risk and financial risk management.For A branch of Construction Bank 's financial risk identification,policy guidance is divided into the risks of bad loans,assets and liabilities structure of funding liquidity risk,interest rate changes caused by the earnings volatility risk,financial and decision makers errors from four aspects the risks of investment and financing.Further study on its financial risk management present situation,analyzes the problems existing in the financial risk management,put forward to the suggestions of strengthening the financial risk management is A branch of Construction Bank.For A branch of Construction Bank financial risk,suggest the following aspects: the first improve the system of financial risk management,the second standard bank information disclosure mechanism,the third to establish effective risk early warning system,the fourth to strengthen the internal audit of the bank,the fifth perfect interest rates risk management method,the sixth worked for training the advanced risk management consciousness,the seventh establish and improve the constraints of the incentive mechanism.And put forward the environmental protection of implementing measures.