Research On The Overall Risk Management System Of City Commercial Banks

The ability to manage risk represents the overall management of a bank,determines whether or not it is competitive in modern society?Urban commercial banks in China started relatively late,Development is very fast.However,the level and ability of risk management are not synchronous,many risks have not been truly identified and managed.The concept of overall risk management is the main concept of risk management in modern and contemporary times,in 2012,the CBRC stipulated that all banks should gradually establish a risk management system,in 2018,state-owned commercial banks and large joint-stock commercial banks applied for the target.Therefore,the establishment of a comprehensive risk management system has become the main way to improve risk management capabilities,it also represents a trend.In the city commercial banks of our country,few banks really start full risk management.The above-mentioned era,environment and the needs of banking management are the starting point of this paper.This paper takes G bank as a case,the risk management status of urban commercial banks is analyzed deeply and comprehensively,its risk management ability has great defects,favoring: imperfect organizational structure?the risk is separated from the risk?focus on credit risk?institutional voids?risk measurement methods lag behind?Identifying risk system deficiencies,in addition,this paper also analyzes the necessity of building a comprehensive risk management system for G bank,analysis from favorable and unfavorable conditions.On the basis of the above analysis,the measures to construct G bank's overall risk management system are put forward,mainly includes:perfect organizational structure?cultivating all risk management culture?first pillar construction of the three major risks?second pillars of other risk building?Capital management and capital planning?construction of IT system?measures for ensuring the operation of the system are also proposed.I hope that on the basis of the above measures,it can provide good advice and suggestion for G bank to establish a comprehensive risk management system,also hope that other cities commercial banks in building a comprehensive risk management system can be used for reference.