如何建立商业银行风险管理体系（How to establish a risk management system for commercial banks）.docVIP

如何建立商业银行风险管理体系（How to establish a risk management system for commercial banks） In the banking principles, security is at the top of the list. This is because there is no sound business practices, the business is difficult to get healthy development. With the development of financial liberalization and financial globalization and financial innovation, put forward higher requirements and methods, resulting in complicated environment of bank risk management content and mechanism, which requires the firm to make more exploration and research. First, strengthen the understanding of bank risk management, and attach great importance to the development of banking risk management. With the development of Chinas market economy and the deepening of the reform of state-owned enterprises, the business environment faced by state-owned commercial banks has undergone great changes. The market competition is becoming increasingly fierce, and the financial risks are becoming increasingly prominent. Under such circumstances, commercial banks actively reform and explore, and gradually deepen the understanding of the importance and necessity of risk management, and gradually put risk management at the height of development strategy to understand. The most important one is to establish due diligence and audit separation as the core content of the scientific credit decision-making mechanism, expand the scope of bank risk management, the implementation of a comprehensive risk management. Bank risk management plays a more prominent role in the development strategy. Two, to deepen the reform of the credit system as a breakthrough, and strive to establish a comprehensive banking risk management system. (1) implementing unified credit guarantee to prevent customer credit risks; Uniform credit of customers means that the financial capacity of a certain non-financial enterprise customer in a given period of time is determined according to the prescribed procedures, and this is the basis for pro