Research On Comprehensive Risk Management Of Z Bank Henan Branch

In today's complex economic situation and increasingly stringent regulatory environment,the risk management of commercial banks put forward higher requirements,the effective implementation of comprehensive risk management is imminent.In recent years,although the risk management ability of commercial banks has been strengthened continuously,facing increasingly stringent regulatory requirements and frequent exposure of risk cases,commercial banks still have many problems in the process of implementing comprehensive risk management.In particular,the risk management ability of branches determines the overall risk management quality of the whole bank.To find and analyze the problems existing in the implementation of comprehensive risk management in commercial bank branches and analyze the reasons can promote commercial banks,improve the ability of comprehensive risk management,and ensure the sustainable and healthy development of commercial banks.Firstly,this paper analyzes the overall situation of the comprehensive risk management of Bank Z Henan Branch from its operation,risk management principles and strategies,internal control,general situation of capital gains and current risk situation,and analyzes the overall situation of the comprehensive risk management of Bank Z Henan Branch from the aspects of organization,function division,personnel management,risk situation analysis,scale and use.The efficiency of several branches of risk management in the branch of Z bank Henan branch is analyzed.Then,through the comprehensive risk management status quo to explore the Z Bank Henan Branch in the management capacity,process,preference transmission,grass-roots risk management and control problems.Secondly,through the induction and summary of further analysis of the root causes of these problems are due to the overall risk management culture is not deeply rooted,the overall risk management system is not sound,the lack of risk management personnel,risk management tools are not advanced.Finally,according to the actual situation of Henan Branch of Bank Z,this paper puts forward some suggestions on establishing and perfecting a comprehensive risk management culture,enhancing the conduction and execution of risk strategies,perfecting a closed-loop comprehensive risk management system,perfecting a comprehensive risk management mechanism,and strengthening the construction and training of risk management personnel.Risk management countermeasures,and gives specific measures and suggestions,hoping to improve the Z Bank Henan Branch risk management strategy,enhance risk management capacity,promote the transformation of risk management system,promote the Z Bank's high-quality business development.Based on the basic theory of comprehensive risk management,this paper comprehensively uses the methods of literature analysis,data analysis,case analysis,two-dimensional matrix analysis to discuss the problems in the implementation of comprehensive risk management of Bank Z Henan Branch.Relevant research results not only have a strong guiding significance for Henan Branch of Bank Z and other first-class branches of Bank Z,but also provide information for other commercial banks to study the comprehensive risk management.In addition,this paper provides more detailed data for comprehensive risk management research.