Exploration on the Risk Management of Commercial Banks in China

Abstract

As an enterprise with special operation nature, the product of operates is monetary capital, which is also an industry with high risk. The prosperity and development of commercial banks affects the stable development of economic construction. Therefore, it is one of the key contents of the development of commercial banks to formulate a perfect management mechanism and supervision and management system, and to build a comprehensive risk management system. At present, with the development trend of market economy and financial globalization, the development of Chinese commercial banks is facing many opportunities and challenges. As the core pillar of the financial industry, the stability of commercial banks in the process of operation and development is crucial to China's economic development. We should pay attention to risk management, reduce the chance of risk occurrence, and reduce the loss caused by risk occurrence, so as to ensure the benign and healthy development of commercial banks. At present, commercial banks still have many problems in the risk management process of banks, which are not conducive to the sustainable development of commercial banks. This paper analyzes these problems, and puts forward countermeasures combined with examples, aiming to provide reference for relevant workers.