Research On Comprehensive Risk Management Of Commercial Bank Based On Financial Perspective

With the development of the global economy,the integration trend has strengthened and the financial industry has also accelerated the pace of innovation.In the course of the development of commercial banks,risk is a gap throughout,just like a basic function of banks.The financial crisis caused by the continuous innovation of commercial banks has awakened people's attention to the risk management issues.Rural credit cooperatives(RCCs)are a special kind of bank in China.Because of their significant impact on the rural economy,attaches great importance to its development.Therefore,when the development of RCCs made no progress,China began to deepen the reform of RCCs and led it to the commercial bank model.This reform is not only a major opportunity but also a huge challenge for RCCs.This paper combines the current urgent requirements of the central government for risk prevention in the local financial system,starting from the reality of reform and development of China's “Rural Credit Cooperatives” to “Commercial Banks”,and systematically reviewing the relevant risk management theoretical basis and management system at home and abroad.Take the Guangdong X Rural Commercial Bank as an example to conduct a comprehensive investigation and analysis of the risk management status of X Rural Commercial Bank,and to understand the financial risk management awareness,attitudes and behaviors of risk management of various branches of X Rural Commercial Bank,through asset security.The five types of regulatory indicators,including Capital Adequac,Asset Quality,Profitability,market risk,and liquidity risk,quantified the financial risks of X Rural Commercial Bank,and compared it with itself and compared horizontally with the average value of the industry to analyze the X rural commercial banks.Existing major risk types and measures and major effects of current risk prevention are evaluated from a financial perspective to assess X Agricultural Bank's ability to prevent financial risks and current major problems.Its problems include the incompleteness of the overall risk management framework,the inadequacy of risk management processes,and the incomprehensive staffing.In response to the problems found in this case study,this paper proposes to restructure the comprehensive risk management system of rural commercial banks with the focus on preventing financial risks,optimize risk management processes,and establish risk databases.It is hoped that the analysis of the financial risk capabilities of XRCC can be conducted.,and give some enlightenment to other banks.