What risks will bank risk control personnel encounter in their work?

1. What risks will bank risk control personnel encounter in their work?

As far as banks are concerned, their risks can be mainly divided into four types: credit risk, market risk, operational risk and other risks.

1, credit risk

At present, the main risks of commercial banks still come from credit risk, among which the loan risk is

So what is credit risk? Credit risk generally includes loan risk and counterparty risk.

Loan risk refers to the risk that bank credit funds suffer losses due to the borrower's reasons.

Simply put, a person's credit moral binding force is reduced, which leads to a decrease in repayment willingness.

Counterparty risk mainly refers to the risk caused by the counterparty's failure to perform the contract in the inter-bank business.

Domestic commercial banks are currently

In the current banking business, credit risk mainly exists in private-to-public loan business, which has obvious non-systematic risk characteristics.

Therefore, employees involved in private affairs should at least have professional knowledge and skills.

2. Market risk

The risk that banking business (mainly loans) will suffer losses due to adverse changes in market prices (such as market interest rates).

Generally speaking, market risks include interest rate risk, stock risk and commodity price risk.

Because interest rate is the cost of capital, the change of exchange rate directly leads to the change of loan value, so interest rate risk is also the main risk faced by bank loans.

In the current banking business, market risk mainly exists in trading business, which has obvious systemic risk characteristics.

Therefore, employees involved in trade and inter-bank transactions should at least have relevant professional knowledge and skills in market risk management.

3. Operational risk

Operational risk refers to the risk of losses caused by imperfect or problematic people and systems.

Operational risks should be well understood, such as internal employee fraud, external fraud, employee's wrong operation methods, workplace safety issues, etc. , which may lead to risks.

For another example, customers are damaged or business is interrupted because of imperfect process management and so on. These are all manifestations of operational risks.

It can be said that operational risk exists in all aspects of banking business and management. We should not separate it, but combine it with operational risk. After all, these are all linked to operational risks.

In the current banking business, operational risk exists in all aspects of banking business and management, and is often intertwined with other risks such as market risk and credit risk. Therefore, it is often difficult for us to strictly distinguish it from other risks.

Therefore, all business modules of banks need talents with professional knowledge and skills in operational risk management.

4. Other risks

Other risks include many contents, mainly including liquidity risk, policy risk, national risk, strategic risk and reputation risk.

Among them, liquidity risk refers to the risk that although the bank has solvency, it can't get enough funds in time or can't get enough funds in time at a reasonable cost to deal with debts due. Including asset liquidity risk and liability liquidity risk.

In addition, if banks put in unreasonable credit for a long time, it is easy to cause the risk of bank run, which is also liquidity risk.

Therefore, in the asset-liability management of banks, talents with professional knowledge and skills in liquidity risk management are needed.

At present, with the continuous development of the financial market, risks also arise. Under the dual pressure of management pressure and competition from foreign financial institutions, domestic banks have strengthened the measurement and management of risks and improved their risk prevention and control capabilities.

Due to the basic characteristics of bank risk, employees in different functional departments need to master certain risk management capabilities to a certain extent. Therefore, people with professional knowledge and skills in risk management, such as CFRM holders, are highly competitive in the workplace.

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Second, are the risk control systems of various banks interoperable?

The basic control of each bank is the same, but each bank has its own risk focus, so it is different.

3. Is the system between banks universal? If you have an ID number, you can check it. ...

Hello!

Normal, there is no signature on the old man's power of attorney, so you can't inquire! It's easy to find anomalies! The difficulty is basically 0.

Only on behalf of personal views, don't spray if you don't like it, thank you.

4. Are the risk control systems of banks accessible?

Answer no

The risk control of each bank is independent.

After a bank lends money due to a large amount of credit business, it will have different risks due to the different production and operation conditions of borrowers, which may lead to bad debts of loan funds.

Therefore, every bank will set up an independent risk control department for its credit products to control all risks.