Commercial bank risk management is a management activity carried out by commercial banks to reduce the risks they may encounter in operation and management activities. Its goal is to seek maximum profit with minimum risk. Its content mainly includes four aspects: risk identification, risk analysis and evaluation, risk control and risk decision-making. These four parts are also the four stages of risk management. Risk identification is to identify risk factors that may bring unexpected losses or additional gains to commercial banks in the complex macro and micro risk environment and internal operating environment surrounding commercial banks. Risk analysis and evaluation is to estimate the probability of occurrence of risk factors, the size of the losses or gains that may be caused to the bank, and then determine the bank's degree of risk. Risk control is an economic activity that takes certain methods and means to reduce risk losses and increase risk returns before a risk occurs or when it has occurred, including risk avoidance, risk suppression, risk dispersion, risk transfer, and risk insurance and compensation. . Risk decision-making is a decision-making process in which bank operators choose risk-taking based on their risk preferences under the premise of comprehensive consideration of risks and profits. Risk management is an indispensable part of asset and liability management of modern commercial banks.

Response time: 2020-09-29. For the latest business changes, please refer to the official website of Ping An Bank.

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