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Control and management of financial risks in Banks

2019-11-05 来源: 51Due教员组 类别: Essay范文

下面为大家整理一篇优秀的essay代写范文- Control and management of financial risks in Banks,供大家参考学习,这篇论文讨论了银行财务风险的控制管理。想要实现银行财务风险管理制度和风险控制制度的提升,需要确保两者具有完善的财务管理方式。风险管理是财务管理的重要组成部分,银行行业是国家法律允许的,但是需要做好全面的财务管理,确保风险的合理控制。在进行财务管理制度完善的时候,必须要提升监督管理水平,对于风险进行及早的风险和处理,提升风险制度的可行性管理。

People's living standards are improving, which provides good business opportunities for the development of the financial market. With the continuous development of bank finance, the financial activity of our country is obviously improved. However, it also leads to relatively large financial risks. Therefore, it is necessary to improve the risk control and management measures of the bank to ensure the reasonable control of risks. The continuous improvement of the bank's internal control system is an important guarantee to ensure the overall financial stability of the country. At present, with the development of global economic integration, national economy is vulnerable to the influence of the world economy.

Through the research on the types of bank financial risks, it is found that they are mainly divided into operational risk, credit risk, interest rate and exchange rate risk and liquidity risk. Operational risk is the most basic type of property risk, which is mainly caused by the adjustment of its own work. In the specific operation, the operation of the business personnel error or error, will lead to the occurrence of risk. Credit is now people pay more attention to, credit risk, mainly due to the change of credit between the bank and the borrower. The borrower cannot repay the loan in time according to the requirements of the contract, which leads to the corresponding financial risks of the bank. The change of interest rate and exchange rate is inevitable, the market changes, interest rate will appear corresponding change. Exchange rate is caused by international exchange rate changes. If the bank itself has insufficient capital, it will not be able to repay the debt in time due to the growth of assets, and there will be the risk of capital flow.

The reason why the financial risk of the bank appears is caused by many factors. The change of social environment is the foundation that leads to the change of social and economic environment. The natural world is ever-changing. Once various natural disasters occur, they will affect the production materials and life safety, thus increasing the risk of Banks. There are obvious problems of imperfect management system in China's Banks, which affect the working enthusiasm of bank employees. In addition, the lack of work responsibility system, some related financial work procedures are not perfect, and the overall supervision mechanism has loopholes, which are the reasons for the problems of the bank's financial risk management system. Some Banks are backward in their risk management methods and low in risk prevention and control technology, so they need to carry out corresponding reform and improvement. As a bank, if there is no corresponding risk control and management culture, it will result in low emphasis on risk management, the change of internal risk, the error of the business personnel's own operation and the influence of various factors, all of which will lead to the increase of the overall risk.

If we want to improve the financial risk management system and risk control system of Banks, we need to ensure that they have perfect financial management methods. Risk management is an important part of financial management. The banking industry is permitted by national laws, but comprehensive financial management is needed to ensure reasonable risk control. In the improvement of the financial management system, it is necessary to achieve the management of financial income and expenditure, do a good job of accounting records, improve the level of loan management and debt management, the corresponding staff for a comprehensive standard, to ensure the improvement of the level of internal control. Improve the level of supervision and management, carry out early risk and treatment of risks, and improve the feasibility management of risk system.

Many Banks in China are relatively backward in their risk early warning management technology. In order to improve their risk early warning management level, it is necessary to reasonably learn from advanced experience of foreign countries to improve their risk early warning management level and enhance the financial risk control of Banks. For the overall financial management, it is necessary to realize fine control, change the current financial management mode, and realize technical management and cultural management. Establish and perfect market analysis and management mechanism, comprehensively forecast financial risks in various aspects, improve business control process, and establish specific management system.

The development of the bank is a part of the national financial development. In the process of financial risk control and management of the bank, it is necessary to help the social and economic development and clarify multiple convenient job responsibilities. For positions of financial risk, it is necessary to comprehensively clarify and strictly control the degree of post control. Realize the control of financial authorization scope and graded risks. Commercial Banks need to carry out financial risk assessment on all economic activities, improve management level, realize many holes in market finance and social legal management, and prevent risk control methods beyond the law.

Bank for its own development, the need to improve financial risk prevention consciousness, combining with the characteristics of the development of The Times, to control the bank's financial risk prevention and management, the use of financial work and financial data, the establishment of the risk information database, improve the China banking regulatory commission on financial risk monitoring strength, better improve financial institutions risk early warning ability, realize financial management level of ascension. In the process of risk monitoring, it is necessary to improve the speed of information flow, realize the corresponding coordination of policies, and ensure the security and efficiency of information. To realize the comprehensive dynamic control and supervision, to play the role of the supervision and statistics department, to achieve the bank's comprehensive risk early warning management.

The development of bank economy has a great impact on the national financial market. With the continuous financial reform, risk management has a great impact on the development of Banks. In order to gradually improve the level of financial risk control of Banks, it is necessary to ensure that each bank manager has a higher ideological awareness. Gradually improve the probability of risk avoidance, conduct reasonable analysis and research on the causes of risk occurrence, and realize the reform and innovation of the risk management mechanism of Banks, so as to ensure the sound, rapid and stable development of Banks and realize the stable control of China's economy.

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