Research On Risk Management-Case Study Of SZ Bank Automotive Consuming Finance Business With The Comprehensive Risk Management Framework

Nowadays the increasingly complicated economic environment,growing numbers of finance products and the stricter monitoring regulatory require more on commercial banks'risk management.Taking comprehensive risk management as a guide is still the framework for the banks to adhere to risk management.By finding out the problems and analyzing its root causes raised from risk management during the business operation,the commercial bank can improve their risk management ability,to ensure the stable development of business and the steady,sustainable and high-quality development of commercial banks.This article is written based on the SZ bank's auto consuming finance business.Based on the theory of comprehensive risk management,this article studies the problems in the implementation of the comprehensive risk management of SZ bank operating their auto consuming finance business by the means of comprehensive literature analysis and case analysis.It elaborates the business development,the existing risk management performance and the comprehensive risk management,to analyzes the problems encountered in the process of risk management of this business and the causes.It finds out that the main problems are encountered mainly in the four aspects of risk management including its objectives,measures,assessment and implementation.The main causes of those problems are the unclear objectives,lack of professional management tools,unreasonable assessment and insufficient management execution ability in the process of carrying out the comprehensive risk management.in the end,with the reality of the auto consuming finance business,this article proposes to adhere to the comprehensive risk management perspective,optimize the existing risk management systematically and strengthen the framework through introducing and cultivating the three auxiliary measures including applying the third party data management,training professional talents and building a management platform.Through the above research,draw the conclusion:(1)When the business development process,the existing business risk management has been unable to play a positive promoting role,doing a comprehensive combing of risks is necessary,also analyzing the correlation between different risks influence situation,then improve the existing risk management.(2)Improving the existing risk management should base on the existing comprehensive risk management framework.(3)While optimizing the risk management elements,it is necessary to add corresponding safeguard measures and conduct timely utility evaluation.