What are the risk control measures of banks?

The risk control of banks includes four aspects: risk identification, internal risk analysis and evaluation, risk control and risk decision.

1. Risk identification is to identify risk factors that may bring unexpected losses or extra benefits to commercial banks in the complex macro-micro risk environment and internal business environment around commercial banks.

2. Risk analysis and assessment is to predict the probability of occurrence of risk factors, the size of losses or gains that may be caused to banks, and then determine the exposure of banks.

3. Risk control is an economic activity that takes certain methods and means to reduce risk losses and increase risk returns before or when risks occur.

4. Risk decision-making is a decision-making process for bank operators to choose to take risks according to their risk preferences on the premise of comprehensive consideration of risks and benefits. Risk management is an indispensable part of asset-liability management of modern commercial banks.

Extended data:

The bank's risk control should pay attention to the following aspects:

1, product design:

Improve customer access standards, credit rating construction and product elements (such as mortgage down payment), and improve risk pricing mechanism;

2. Adjust the asset structure:

Balance the distribution of assets and realize risk diversification;

3. Risk modeling:

Real-time monitoring of macro-economy, meso-industry data and micro-economy, and regular summary;

4, personnel training:

At present, what banks lack most is due diligence personnel!

Baidu Encyclopedia-Risk Management of Commercial Banks

Baidu Encyclopedia-Risk Control