Research On The Risk Management Control System And Optimization Of Commercial Banks In China

With the advance of economic globalization,the trend of world financial liberalization and integration has been further strengthened,and China's market economy has undergone profound changes.In this context,China's commercial banks face unprecedented challenges: in the fierce competition with domestic commercial banks,they have to be involved in the competition with foreign banks.Facing the pressure of survival,some commercial banks,in order to win the market share,ignore the cyclical downward economic situation,take the aggressive behavior,which leads to the increasing operation risk and even to a certain extent affecting the smooth and healthy development of the national economy.Therefore,it is urgent to strengthen the risk management of commercial banking.For banks,a good risk management system helps to reduce the rate of decision-making failure,reduce asset losses and increase added value.At present,our government has issued a series of policies on the risk management of commercial banks,and has achieved certain results in the system construction.But it is worth noting that there are still many problems to be solved in the management of commercial banks.How to improve the risk management and control system of commercial banks in order to effectively prevent operational risks?This article is discussed in this article.The first chapter is the introduction part,which mainly covers three aspects:Firstly,it introduces the background and research significance of the topic.Secondly,it elaborates the research situation of domestic and foreign scholars.Finally,it explains the ideas and methods of this paper.The second chapter discusses related concepts and theoretical basis.The third chapter analyzes and summarizes the current situation of the risk management and control system of China's commercial banks from the perspective of the main business structure.The fourth chapter analyzes the problems existing in the risk management and control system of commercial banks in China.Chapter 5 discusses relevant issues in connection with typical cases of Agricultural Bank of China and Guangdong Development Bank.Chapter six,combining relevant theories of risk management and the current status of commercialbank management,proposes relevant suggestions for optimizing the risk management system.In view of the problems existing in the risk management and control system of commercial banks in China,the article analyzes in detail the internal subjects,the supervisory subjects,and the external environment.As far as the commercial banks themselves are concerned,there are many problems that arise from the realization of deployment: the banks themselves have a weak sense of risk management,neglect the construction of risk early warning mechanisms,and the related risk management system system is not perfect,which ultimately leads to weak supervision,management failure,and risk events.Frequent.Judging from the regulatory bodies,the main problems are: lack of feasibility of related systems;cross-loopholes in the management of regulatory agencies;poor communication of information and so on.From the perspective of the external environment,on the one hand,the social credit environment is poor,the cost of untrustworthiness is too low,and moral hazards are frequent;on the other hand,with the advancement of science and technology and the development of the media,the spread of risks presents a trend of expansion.In this regard,this article relies on the relevant theoretical basis of risk management,takes the current status of China's commercial bank risk management system as its research content,takes the problems in commercial bank risk management as the entry point,and uses case analysis as the breakthrough point to make recommendations.For the final settlement,the feasibility measures were proposed from various aspects such as the commercial bank itself,regulatory authorities,staff,the government,and the general public,with a view to adopting multiple measures to further optimize and improve the risk management and control system of China's commercial banks and promote the financial market in China.Even the entire social economy continues to operate smoothly.