AbstractRisk management is regarded as the basis of banking industry which has been connected with risk management since the very beginning of its birth. Commercial bank which plays an important role in the marketing economics is a main financial part of modern economy, so its ability to deal with risk will be a determining factor of its own credit position and profitability as well as its role in the whole social economy.In this paper, commercial bank risk management process is divided into three subsystems: process Re-engineering of early warning, process Re-engineering of internal control system and process Re-engineering of supervision. Among the three, process Re-engineering of early warning is the most critical one. It reflects the bank’s various levels of risk, warning symptoms, warning sources and variation trend and it establishes risk degrees for each situation. On the basis of risk measuring and risk assessment on various commercial bank institutions, it issues early warning signals timely to the commercial banks and their risk systems to remind them to be on high alert and take effective measures of precaution; The risk of internal control processes, includes four factors: environment, organizational structure, operational procedures, evaluation protection. Supervisory process is an external force to control the risk management of commercial banks. It is a general supervision and management given by the authority from the outside, including a series of rules and supervisory behaviors, taking effect on the financial markets through a series of actions of risk supervision assessment indicators, external audit and trade self-regulation, ect.. The three subsystems of the risk management is a whole system of integration and interaction. At the same time, the elements at all levels are closely related, integrated and intercrossed, constituting a commercial bank’s overall risk management process framework. The overall operation of the risk management process will determine the effectiveness of the risk management as well as the realization of strategic objectives of the risk management.To sum up, this thesis is based on the theory of risk management for commercial banks, looking for the risk source and spreading path, introducing the concept of process. The purpose is to treat the study of integrated Re-engineering and system establishing in the process of commercial bank risk management as an integrated Re-engineering of the current risk management process. That is to unify the important but scattered risk management processes with the new ones under a reasonable framework. The research framework of this paper is not an exclusive one, but it is really a most practical one seeing from existed risk management models.Key Words：Commercial Bank; Risk Management; Process Re-engineering

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