Research On The Risk Control Factors Of Small And Medium Commercial Banks In China

As the process of economic globalization continues to expand,the role of capital markets in the economic system is becoming more and more important,and banks,as the core of the financial system,are irreplaceable.While banks are driving economic development and bringing convenience to people's lives,they must pay more attention to the risks they may bring.From the definition of risk control,it can be known that the bank's risk control activities are actually strategic issues for bank management.As the financial market becomes more complex than before,and gradually shows the trend of market economy globalization and trade liberalization,banks put risk control work at an important position and increase risk control.In the 40th anniversary of China's reform and opening up,China's commercial banks have gradually aligned themselves with international advanced banks and learned their advanced risk control methods.Through learning from experience and continually exploring according to China's market environment,staff members' risk control awareness and level have been improved.Great improvement.However,because China's small and medium-sized commercial banks are smaller than the large banks,the establishment of the shorter scale and the number of the county is smaller,so the market competitiveness is not as strong as that of large commercial banks,resulting in a weak sense of risk control for its staff.At the same time,China's small and medium-sized commercial banks have some gaps in establishing risk control objectives,formulating internal risk control systems,internal risk control structures and operational mechanisms,and internal and external supervision.The current situation of risk control of small and medium-sized commercial banks in China needs to be further improved and optimized.Therefore,it is of great significance to explore a complete risk control system suitable for China's small and medium-sized commercial banks by referring to the risk control concepts and methods of large banks and international advanced banks in China.This paper firstly reviews and reviews the research on risk control of small and medium commercial banks by domestic and foreign scholars.At the same time,it compares the similarities and differences between China's large banks and small and medium commercial banks in the current situation of risk control,and finds the shortcomings of risk control in China's small and medium banks.As well as the real problems in the risk control process,in addition,this paper refers to the comprehensive risk management method proposed by the COSO organization,and finally summarizes the four influencing factors of China's small and medium commercial banks' risk control,and conducts empirical analysis.Firstly,the four influencing factors of risk control of small and medium commercial banks in China are identified,and the hypothesis of the influence of these factors on the risk control of small and medium commercial banks is put forward.After the empirical data collection by means of questionnaires,these hypotheses are tested and Establishing a model to find out the correlation between independent variables and dependent variables,this paper verifies the four aspects of risk control related to risk control,market risk control,operational risk control and other risk control through empirical analysis.Sex,completed the test of hypotheses.At the same time,it also draws several important factors for the risk control of small and medium-sized commercial banks in China,and has a deeper understanding of the importance and relevance of each factor.In order to strengthen the risk control ability of China's small and medium-sized commercial banks,this paper puts forward corresponding suggestions from the external level and the bank level.The external level should strengthen the supervision and scope of relevant state departments and the China Banking Regulatory Commission.At its own level,banks should strengthen Internal management,build a complete and efficient risk control system,strengthen the training of personnel's risk control awareness and ability,especially improve the bank information system,and use big data,cloud computing and other methods to enhance risk identification and control.