Research On Risk Management Of International Settlement Business Of Bank A Nanjing Branch

International settlement business is a relatively new business field for commercial barks,and it plays a positive role in improving commercial banks' competitiveness,international influence and intermediate business income.The overall foreign exchange business market in Nanjing has developed well,and Nanjing branch also occupies a place in the overall market.However,the international settlement business is diverse in variety,complex in basic business background and frequent in exchange rate fluctuation.in combination with the changes of international situation and the tone of China's foreign exchange control,this business faces a variety of risks.Therefore,it is of great significance to study the risk points of international settlement business faced by bank a and control them by scientific and reasonable means and methods for promoting the healthy and orderly development of the bank's international settlement business.Based on COSO Committee's Enterprise-Wide Risk Management(ERM)framework and new Basel agreement,this paper States the current business development situation and current risk management mode of bank a Nanjing branch,and makes a summary and analysis of the results of the questionnaire survey on operational risks by taking advantage of the risk events that have occurred within five years,and summarizes the shortcomings of risk management in the emerging bank mode,including organizational structure,personnel,system construction,system,business process and other aspects.To cope with the gap in management effect,the author puts forward the risk management improvement scheme applicable to Nanjing branch.Starting from the ERM framework,we can improve the management effect from three dimensions respectively.First of all,we should further define the strategic direction and specific business direction of enterprises,control various risk indicators and guarantee sound operation.Secondly,we should clarify the responsibilities of each related line,set up a reasonable and comprehensive risk management framework,and form an organic whole at all levels of the organization to make full use of the resultant force.Finally,starting from the basic elements and aiming at the shortcomings,this paper puts forward some concrete improvement measures,such as attaching importance to cultivation of personnel and risk culture,advancing system construction with the times,improving system support and security,process control and refinement.Risk management is of great significance to the management of enterprises,especially as commercial banks specialized in managing risks.Sound and continuous management is the ultimate goal of corporate governance.Nanjing Branch of Bank A,as the second branch of Bank A,must treat risk management with caution.To promote ERM,improve the level of risk management,so as to continue business operations and development escort.