Research On Optimization Design Of New Core System Of XX Bank Based On Comprehensive Risk Management

Under the new normal situation,there are some outstanding problems in China's monetary and financial operation,such as the further improvement of the debt rate,the rising cost of the financing of the entities,the financial self service,the increasing liquidity risk and the poor supervision of the financial operation,which led us to re-examine the diversification risks that commercial banks may face.At the same time,with the gradual and open transformation of the financial environment and the diversification of market players,there is an inevitable conflict between the old system structure and the new business risk management mode of commercial banks.So how to optimize the risk management ability in the process of building a new generation of core business system has become an important issue that needs attention.Risk management is one of the core contents of modern commercial bank management.Scholars at home and abroad have done a lot of research on how to improve the risk management ability of commercial banks.Comprehensive risk management is the best choice to improve the risk management ability of domestic commercial banks and improve the core competitiveness of China's banks.However,China's commercial banks only have a theoretical sense of comprehensive risk management,and in actual operation,risk management is still lagging behind.There is no substantial improvement in the methods of risk measurement and evaluation.How to better practice the theory of comprehensive risk management,narrowing the gap between Chinese and foreign commercial banks in risk management has become an important topic for China's commercial banks to explore.This paper take XX Bank as the research object,innovative combine comprehensive risk management theory and XX Bank's new core system,hope to optimize the design of the new core system by practicing comprehensive risk management theory.Through the research and experiment,this paper makes an optimized design based on the comprehensive risk management theory for the application core module,the basic module and the information technology module of the new core system of XX Bank,and puts forward the corresponding implementation framework.At the same time,the development of risk management culture and risk management personnel training of XX Bank are also suggested.