Case Analysis Of Huaxia Bank Disturbance Of Financial Transactions

In 2012 the "Huaxia Bank financial storm event" causes the customer financing funds due is unable to honour,to arouse the masses for financial products due to concerns about whether the honour,also caused the authorities attention on bank financial products sales and risk management.After the investigation found that the incident involving the financial products "Ding wealth program" belongs to the trust model of shadow banking products.Risk management the shadow banking is pushed in the teeth of the storm,along with the sustained attention and research of Chinese regulatory authorities,the CBRC in 2013 May called "the beneficial right of the trust" model of the shadow banking business of commercial banks,the financial business operation and risk management in the investigation.Based on the theory of comprehensive risk management with the Basel new capital agreement of risk measurement methods to analyze the Huaxia Bank financial storm events.Also on the stage and Huaxia Bank financial products similar to the mode of operation of the banking business operation of projects and funds management research,and put forward reasonable suggestions on the risk management of commercial banks in china.This paper from the Huaxia Bank financial storm event,operation risk exposure to finally has made the comprehensive analysis,from the overall risk management process of internal control,process control,as well as from the stakeholder perspective on the events are discussed.In the analysis of the causes of the event risk produced after giving reasonable suggestions to commercial banks,it is recommended mainly to the overall risk management point of view,such as internal control,the cultivation of the moral quality of staff and customer classification and information symmetry angle to prevent risk related business may bring.The purpose of this study was based on analysis of Huaxia Bank financial events,there are clear behind commercial bank financing and financial issues,according to the reality of risk prevention measures were proposed,which could also for the commercial banks of our country to carry out behind the compliance of financial business and financial projects more standardized operation has important implications to some project.