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Comprehensive risk management concept and mode

Author: WuYaNan
Tutor: LiuYa
School: University of Foreign Trade and Economic
Course: Finance
Keywords: Comprehensive risk management framework Comprehensive risk management system Commercial bank
CLC: F832.33
Type: Master's thesis
Year: 2006
Downloads: 1350
Quote: 5
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Abstract


The banking industry is special in that commercial banks are financial enterprises whomanage the currency and most of its capital is social savings. Therefore, it is a highlyrisky industry. Commercial banks have never left from risks since it is come intobeing. Commercial banks play the roles of the borrower and lender. It helps to solvethe problem of information asymmetry between the borrower and the lender. It isimportant for commercial banks to manage risks. Many commercial banks had made agreat progress in researching and practicing on risk management. The finance crisesarising after 1997 make many bankers and economists aware of that the riskstriggering the modern finance crisis is in variety. The speculator speculated in severalmarkets at the same time, then credit risk and market risk are accumulated, the crisisbroke out. The crisis can seriously destroy our financial system and slowed down oureconomy. Enterprise-Wide Risk Management (ERM) appears which leads the modernbanking risk management into a new era. The core idea of ERM is the overallmanagement of risks in all-level business sectors of an entity. Nowadays,We still donot have any Risk Management System comply with international standard. It hadseriously restricted the development of our commercial banks and brought a hiddendanger to our national economy.under the pressure of general opening policy in Chinese finance market,if we want todevelop in international finance market,the commercial banks of our country must setup and focus on the risk-management system and learn to grasp advanced riskmeasuring technology and information technology, cultivate advanced riskmanagement culture, create good environment condition. The first part of the thesisdiscusses about the general enterprise risk management theory of the commercialbank. By analyzing “The New Capital Agreement of Basel” and《Enterprise RiskManagement - Integrated Framework》, provides theoretical foundation for thecommercial banks in our country and implements enterprise risk management.Through analyzing the risk management of western commercial banks and thebreak-even analysis of enterprise risk management, the second part demonstrates thenecessity and urgency for our commercial banks to implement enterprise riskmanagement. The third part and the fourth part of the thesis analyses the mainproblem that exist in the risk management of our commercial banks and expounds thecountermeasures and measures for the our commercial banks to carry out enterpriserisk management.In a word, the thesis insist on that our commercial banks should learn from foreignadvanced risk management theory and methods in a few years after our entry into theWTO, define the direction and principle of risk management, and take effectivecountermeasures and measure to implement enterprise risk management, In order toimprove the ability that our commercial banks function and control the risks, and tokeep the continual and steady development of state-owned commercial banks of ourcountry.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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