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Along with the development of the banking sector, the focus of the management has to shift from "profit-oriented" to "risk and return model", to strengthen the urgency of the commercial bank risk management is self-evident, the establishment of the commercial bank risk management system, to a large extent depends on the file, give play to utility, this is because the risk of produce are often linked to "information uncertainty" and "asymmetric information".File is the commercial Banks commercial Banks exercise the functions of the departments of history, the timely and effective disclosure, make use of the archives information, can effectively solve the bank run risk, and due to lack of information, lag in the daily management of the business risk, even at the risk of bank credit business, efficiency, have also played a part, by establishing the perfect system of credit archives, regularly collecting customer data, dynamic monitoring and control client money activities, and the usage of funds, improve the problem of "information asymmetry", can effectively reduce the credit risk of hidden dangers.The purpose of this paper is to bring the influence of the archives work into Banks’ risk management activities, bring a new perspective for management, detailed reports of all kinds of bad loans from the commercial Banks, commercial Banks intermediary business, and control of internal control, this paper expounds how archives work in risk management work of each link, so as to reduce the negative influence of all kinds of risks.In addition, a good internal control is the foundation of bank risk management activities, and the archives work is the basis of internal control to carry out. So the author will also be from the organization structure control, personnel control, risk prevention and control, power control and asset control of science and technology five aspects, this paper discusses how to play a key role in internal control link file, reduces the risk of bank operation risk and fraud.
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