A Study On Building The Comprehensive Risk Management System For Rural Commercial Banks

At the end of 2014,China has 655 rural commercial banks,89 rural cooperative banks,1596 rural credit unions.CBRC is promoting the shareholding reform,converting all of the rural cooperative banks and rural credit unions into rural commercial banks.Since 2010,580 rural commercial banks has been built.As a result,the rural commercial finally would become the main force to provide the financial service in the rural area,that is very meaningful to discuss how to build the comprehensive risk management system for the rural commercial banks.This paper briefly introduced the evolution of risk management theory,and analyzed the application of Economic Capital in risk management,and concluded the basic elements of the comprehensive risk management system.Then,this paper introduced the advanced risk management experience of commercial banks.Combining with the working experience,the author analyzed the current risk management situation of the rural commercial bank and the disadvantage in the comprehensive risk management system of A rural commercial bank,and designed a new system for it.The concluded basic elements and the method used in building the comprehensive risk management system are significance for reference for the rural commercial banks which have been exploring their way to comprehensive risk management.