The Reserch On Finance Risk Management Of Bank

After more than 30 years of reform and opening-up,China's economic construction has made remarkable achievements,as an important part of the economy,China's banking reform has been deepened.With the U.S.subprime mortgage crisis and the European debt crisis,the global economy has been in the mire of development,so far has not achieved a comprehensive recovery.In the face of the financial crisis that began in the United States sweeping the world,our government is actively rescuing the economy,but there is still a slowdown in economic growth.Compared with the developed countries,China's financial system is not perfect,and the accumulation of financial risks is also worrying.Compared with developed countries,China's financial institutions are relatively backward in management and weak in innovation ability.With the constant relaxation of capital item control in China,more and more in-depth opening will bring more opportunities for the development of China's banking industry,and foreign financial institutions bring capital and more advanced management experience,but similarly,under this kind of openness,China's banking industry will also face great challenges.Therefore,under the precondition of economic globalization and financial openness,how to effectively prevent and dissolve financial risks and ensure financial security is particularly important.Based on the research results of financial supervision and financial risk from domestic and foreign scholars,this paper by consulting the literature and On-the-spot investigation,this paper analyzes the risk and main influencing factors of China's banking industry,and takes Taian as an example,analyzes the financial risks faced by our commercial banks,and probes into how to prevent financial risks and maintain financial stability through positive and effective measures.,and starting from the Taian economic operation,this paper analyzes the risk causes of the Taian banking,studies the risk of Taian non-performing loans,large credit and guarantee circle,the structure of credit growth and the risk of allocation,and analyzes the causes of Taian credit risk from two aspects of enterprise individuality reason and common cause,and through field investigation,This paper analyzes the risk formation process of a group of Taian typical enterprises,and gives enlightenment from the analysis of the path of risk-solving by group A,and then puts forward some suggestions on how to prevent the financial risk of Taian,through the government,the central bank,the CBRC Tripartite Initiative,the bank actively defuse the risk and the enterprise And from the perspective of supervision of the relevant credit risk control measures.