A Research Of Improving Risk Management On Commerical Bank Of Inner Mongolia Bank B

At present,the small and medium-sized banks in the financial market are developing rapidly and have become an significant part in our financial world.Under the background of default events rise,risk management is becoming more and more important for small and medium-sized banks such as Commercial Bank of Inner Mongolia B.Moreover,Bank B should create risk management system with their own risk tolerance,strengthen risk management awareness,formulate effective risk management mechanism,and unify risk management concepts in order to achieve efficient development of its own business.Based on this,this paper firstly elaborates the research background,purpose and significance of the paper,and then clarifies the main content and methods of the study through the analysis of the current research situation at home and abroad;secondly,through the elaboration of the relevant theories of commercial bank risk management,it studies the current situation of risk management of Inner Mongolia B Commercial Bank.Provide a theoretical basis;secondly,introduce the general situation,organizational structure,operation status and risk management status of Inner Mongolia B Commercial Bank.Through on-the-spot investigation and research,it is found that there are some problems in risk management of Inner Mongolia B Commercial Bank,such as increased risk of capital operation,inadequate risk supervision links,poor operation of risk management information system and unreasonable structure of risk management professionals.The main reasons include inconsistent risk management concepts,inadequate implementation of management system and risk management.Thirdly,in view of the current situation of risk management of Inner Mongolia B Commercial Bank,we should innovate capital operation mode,improve risk supervision system,upgrade and reform information management system,and formulate talent reserve plan for risk management profession on the basis of clear guiding ideology,objectives and principles.It effectively implements and improves the risk management prevention and control system,perfects the risk management organizational structure,improves the level of financial science and technology services,and establishes the risk management concept cultural system and other safeguards.Accord to the current situation of Inner Mongolia B Commercial Bank,this paper gives the idea that risk management system can be effectively implemented with several valuable methods.The purpose of the paper is to establish a risk management system based on scientific theory and objective analysis,and to help small and medium-sized banks to solve the problem of risk management implementation.