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1、AbstractFinancialmanagementofcommercialbanksistoimprovethebankcompetitivenessofthecorecontentofthepresentdevelopmentsituationofdomesticandforeignbanks,commercialbankstoadapttothefiercecompetitioninthemarketofmodernfinancialindustry,andtheestablishmentofscientificf
2、inancialmanagementsystem,hasbecomecommercialbanksmoreandmoreurgentdemand.Therefore,combinedwiththeChina'sactualsituation,undertheguidanceofscientificandeffectivefinancialmanagementconcepts,theuseofscientificmethodsandmeans,reformofthekeyproblemsinthefinancialmanag
3、ementofcommercialbanks,thusensuringthatgivefullplaytotheimportantroleoffinancialmanagement.EspeciallyonliketheBankofHarbinCityCommercialBank,theriskmanagementsystemisnotperfect,thelackofriskmanagementpersonnel,sohowtoeffectivelycontroltherisk,asfaraspossibletoredu
4、celossbroughtbythefinancialrisktotheBankofHarbin,becomeaimportanttopicofcommercialbankfinancialriskcontrol.Thispaperfirstdescribestherelevanttheoreticalbasisoftherelatedconcepts,thebankfinancialriskmanagement,theoreticalfoundationmainlyincludesthefinancialriskofco
5、mmercialbanks,andthescholarsathomeandabroadfortherecentcommercialbankresearchsummarize.Usingthecaseanalysismethodandsystemanalysismethod,carriesonthedescriptiontotheHarbinbank'sfinancialrisk,basedontheanalysisofthecurrentsituationandproblemsofthebankfinancialriskm
6、anagement,summedupthebankthecausesoffinancialriskmanagement,liquidityisnotstrong,theloanprocessdesignisnotreasonable,lackofawarenessoftheimportanceofrisk.Thefinancialinformationsystemisnotperfect,nottosetupanearlywarningsystemandothermanagementissues.Andonthisbasi
7、s,accordingtoChina'scommercialbanksincludingHarbinbank,putforwardtostrengthenliquiditymanagement,theestablishmentofthewholeprocessofcreditmanagementsystem,improvethefinancialriskmanagementsystem,improvethesystemofinternalcontrolofbanks,theestablishmentoffinanciale
8、arlywarningsystemandthecorrespondingimprovementmeasures.Keywords：Comprehensiveriskmanagement,Thewholeprocessofloanmanagementsystem,EarlywarningsystemII目
