Research On The Risk Management Of Agricultural Bank Of China DS Branch

With China's reform of the market economy and the impact of joining the World Trade Organization,it has brought new development prospects and different challenges to the Chinese banking industry.The competition in domestic banks is constantly strengthening,and the risks of dealing with them are becoming increasingly complicated.Therefore,improving the risk management level in an all-round way is an important issue that domestic commercial banks are urgently needed to solve.Commercial banks should take relevant risk management measures to reduce the probability of risk occurrence or the loss caused by risks in order to maintain healthy development.The risk management of commercial banks exists in all aspects of bank development and management.The steady development of commercial banks plays a certain role in the stability of China's financial system,and also plays a certain role in the stability of society.China's commercial bank risk management started later than developed countries,and the effect of commercial bank risk management implementation is not very good.Agricultural Bank of China is one of the core strengths of China's rural financial system.It is the main force of the bank that roots the grassroots and serves the rural areas.As China's rural financial system reform continues to accelerate,The external economic situation facing the Agricultural Bank of China has become more complicated,and the problem of insufficient risk management has gradually emerged.The emergence of some risk issues also indicates the need to further improve business risk management.This paper reviews the current domestic and foreign research on risk management of commercial banks,and combines the current mainstream risk management theory to conduct field research on DS branches.Taking DS case as a research object to analyze the main problems of DS branch risk management: insufficient credit risk control,Insufficient operational risk management,inadequate market risk control,low employee risk management enthusiasm,and insufficient market risk identification.The reason for the problem is: a weak overall risk awareness,Insufficient execution of risk policies,inadequate communication and feedback mechanisms,The risk management performance appraisal mechanism is not perfect and the risk management talents are lacking.Finally,the improvement measures for DS branch risk management are proposed: Improve the awareness of risk management of all employees and foster a culture of risk management;Improve the implementation of the risk management system;Strengthen information communication and feedback mechanisms;Improve sound risk management performance appraisal mechanism;Improve the internal staff management system;Strengthen the prevention and control of the risks of commercial banks;Improve the risk management process and strengthen the overall risk management level.On the basis of ensuring the safe operation of DS branches,strengthen risk management to maximize profits.The above measures not only provide some suggestions for DS branch risk management,but also provide some reference for other commercial banks' risk management.Improving the risk management of commercial banks can create more added value and can also reflect the competitiveness of commercial banks.Strengthening risk management plays a very important role in promoting the sustainable development of the banking industry,maintaining the stable development of the national economy,meeting market supervision,and realizing the transformation and steady development of commercial banks.