Research Of Risk Management System Optimizing In City Commercial Bank

The predecessor of the city commercial bank is the city credit cooperative.The city commercial bank is an important part of China's banking financial system.In recent years,the city commercial banks have achieved rapid development,mainly reflected in the continuous growth of business scale,the continuous expansion of business scope and the general enhancement of overall operational capacity.At the same time,China's financial risks are still in a prone and high-level period.Many city commercial banks have focused on business development with a more extensive and radical development strategy,neglecting the risk management work.According to the new financial development and risk situation,city commercial banks should put the risk prevention in a more important position and build a comprehensive risk management system that matches their own development characteristics.Taking XX Bank as an example,this paper studied the optimization of risk management system of city commercial banks.The main research methods are literature research method,investigation method and case study method.The innovation lies in summarizing the problems existing in the risk management system of most city commercial banks,providing the practical experience of risk management and the optimizing theoretical principles,through investigations and interviews,the problems existing in XX Bank's current risk management system were discovered,and the optimization strategies of risk management systems with strong practical significance were proposed,which have certain reference value for some city commercial banks.This paper consists of three parts.The first part summarized the background and significance of the research,introduced relevant literature at home and abroad,summarized the relevant theories of risk management in commercial banks.The second part introduced the history of China's city commercial banks,the main risks and the development process of risk management system,analyzed the main problems in the risk management system.The third part is the main content of thispaper.Firstly,it summarized the basic situation of XX Bank,the current status of risk management system,the main problems,and analyzes the reasons of the problems.Secondly,it summarized the practical experience and theoretical principles of comprehensive risk management system optimization.Finally,combined with the characteristics of XX Bank,the optimization strategies of XX Bank's comprehensive risk management system were proposed.After analyzing,this paper found that the following problems are common exist in the current city commercial bank risk management system:risk management concept is not really established,risk management structure is imperfect,risk management implementation is not satisfactory,and risk management techniques and methods are backward.By referring to the practical experience of risk management of commercial banks at home and abroad,combined with the characteristics of XX Bank,the paper finally proposed four optimization strategies:establishing a comprehensive risk management concept,improving the risk management structure,strictly controlling the implementation of risk management policy procedures and strengthening data and management information system construction.At last,relevant risk management optimization suggestions for credit risk,liquidity risk,market risk,operational risk and information technology were proposed.