建行黑龙江省分行财务风险管理问题及对策分析-analysis on financial risk management problems and countermeasures of ccb heilongjiang branch.docxVIP

AbstractCommercial bank is the typical bank facing risks, which contributes to the double identity: Banks have not only similar business risks of regular enterprises, and also have unique risks of financial enterprise. And these kinds of risk are always related with the banks financial business, and finally turn into financial risks. Once a bank has the financial difficulties, it will give a huge impact on the financial industry and the whole social economy. This is the main reason that this article takes bank financial risk management as a research subject of important reason. Financial risk management is the core issue of commercial bank management. International banking financial risk management for the last 30 years to either in theory or technology has made significant headway. However, at present global bank bankruptcy cases turn up endlessly. The financial risks of the banks are still far from being effectively prevented or controlled. This paper takes the Chinese construction bank Heilongjiang branch as the research object. It analyzes the status quo and the existing financial management of financial risks, and mines its profound reason, based on what trying to give its financial risk management of opinion and put forward effective counte rmeasures.This paper begins from introduction of the writing background, and then makes a deep look of research situation of domestic and foreign financial risk management. The paper also gives an example from china construction bank Heilongjiang branch, this paper analyzes the present situation of the banks financial management and financial structure, and clarifies that financial management and financial risks are closely related. Because financial management cant control various problems caused by, it leads to financial risks. Then it makes us a detailed description of the financial risk of the bank, including policy risk, capital risk, liquidity risk, financial operation risk, table inside and outside business risk