How can commercial banks further integrate financial market business into comprehensive risk management and corporate governance?

First, the development status of commercial banks' financial market business

At present, with the rapid development of society and industry, the development space of commercial banks is extremely broad. In the process of exploring the current financial market operation of commercial banks, it is not difficult to understand that the product structure of banks has gradually changed, and the intermediate deposit and loan products of commercial banks will be affected by new financial products such as stocks, funds and insurance in the actual transaction process, which means that the original profit model of commercial banks will gradually weaken and the corresponding difficulty of their operation and management will be continuously upgraded [1]. Therefore, in order to better adapt to the current social and economic development situation, commercial banks should also have a stronger sense of innovation in the actual business development process, actively change the operating mechanism and form of their own business in the past, enhance market competitiveness, continuously expand business scale, develop new financial industries, and control various risk factors in the business development process. Only in this way can commercial banks gain a foothold in the whole social and economic market more quickly.

Two. Risk management measures of commercial banks' financial market business

(1) Optimize the risk management system

With the continuous development and reform of the social financial system, both the financial form and the overall industry supervision policy have changed greatly compared with the past, so commercial banks must be able to cope with these changes reasonably in the actual development process, pay attention to the development of their own business scale and types and the management of business risks, so as to help commercial banks occupy a more stable position in the financial market. In order to further enhance the effectiveness of the overall risk management of commercial banks, it is necessary to optimize and upgrade the corresponding risk management system. On the one hand, it is necessary to have a more perfect risk management early warning mechanism to help implement dynamic management and control of business risks through the collection of customer information and the construction of related databases. On the other hand, it is necessary to improve the internal risk rating model and improve the effectiveness of bank investment decisions with the help of more professional risk assessment methods. Finally, it is necessary to enhance the application of modern technology in the risk management and control system, and build a more solid fortress for the financial business of commercial banks with high technology.

(2) Pay attention to the management of traditional business.

Although with the continuous development of society, there are many new business forms in the financial field, which makes the development of commercial banks have more fresh blood [2]. However, while attaching importance to the development of emerging businesses, commercial banks should also attach importance to and strengthen the existing management of traditional businesses. Only in this way can we ensure that commercial banks are always in a relatively stable and rapid development state. Compared with emerging businesses, traditional businesses have greater advantages in resisting bank risks. Therefore, taking traditional business as the main force for the development of banking business and continuously strengthening its effective management will help to strengthen the risk management and control of the overall financial business of banks. Of course, while strengthening traditional business management, commercial banks do not mean giving up new business. They still need to persist in the innovation and development of financial products, and bravely try to optimize and adjust the bank's asset-liability structure with the help of the development of new business, so as to help the bank's business risks be more effectively controlled.

Train more professionals.

The development and competition of all industries are inseparable from the support of professional talents. In the process of helping commercial banks manage business risks in the financial market, it is necessary to actively cultivate more and more professional talents. It is necessary to enhance the awareness of self-reflection and continuous learning and upgrading of employees in commercial banks, and help these talents to constantly sum up experience from practical work and improve their professional skills. It is required that all employees must master the regulatory policies related to national economic development and have the most thorough understanding of the rules and laws related to bank financial business. In addition, all employees must have super-high moral quality and sense of responsibility, and can always treat their work seriously and rigorously in the actual work process to provide the best service for all financial consumers. Commercial banks should regularly carry out staff training according to actual needs, and train and upgrade their professional quality and professional ethics, so as to ensure that these employees can always keep up with the needs of industry development and make the greatest contribution to the development of commercial banks.

(4) Enhance the ability of banks to cope with risks.

In the process of strengthening financial business risk management and control, commercial banks should further improve their ability to cope with market risks, ensure that they can avoid risks by taking reasonable management and control measures, and reduce the damage caused by market risks to their business. In the actual operation process, commercial banks must have an extremely accurate understanding of the current development trend of the financial market, and be able to formulate targeted business strategies in time according to the diversified development of the financial market and conform to the market trend [3]. At the same time, it is necessary to always pay attention to the risk points of market development, track and study its whole development and migration process, and strive to manage the whole process of risk in the early, middle and late stages of financial business development. For some major risk factors, it is also necessary to use information technology to carry out daily automatic calculation and build corresponding early warning mechanism to ensure that effective measures are taken to deal with the risks at the first time and reduce possible risk damage.