本文以济阳农村商业银行为研究对象，探讨如何强化全面风险管理。近年来，济阳农村商业银行按照监管要求不断加强风险管理，确保了安全经营、稳健发展，各项经营指标向好，但在风险管理方面还存在一些问题，与监管要求相比还有很大差距。在商业银行竞争激烈，面临的风险总量、性质和结构不断演变，风险复杂度和关联性不断上升的形势下，研究探讨加强全面风险管理的途径和方法，对济阳农村商业银行尽快改善经营管理局面、尽快达到监管要求、增强核心竞争力具有重要的现实意义。 本文采取文献研究法、案例研究法、对比分析法、深度访谈法进行研究，主要做了如下工作： 首先，从内涵、理论和务实三个方面，对国内外全面风险管理相关文献进行研究，掌握全面风险管理的要义和最新的发展趋势，学习借鉴前人研究成果，为探讨研究济阳农村商业银行全面风险管理奠定理论基础、提供研究思路；选取花旗银行、张家港农村商业银行等国内外成功案例进行研究，了解个案全面风险管理体系、发展历程，总结经验做法，以便在解决具体问题上得到启发。 其次，与员工干部座谈，搜集资料，深入了解济阳农村商业银行全面风险管理的现状，听取他们的意见建议，并以《农村中小金融机构风险管理机制建设指引》和《商业银行资本管理办法》等监管要求为标准，查找问题和差距，理清改进全面风险管理的思路。 再次，按照《农村中小金融机构风险管理机制建设指引》规定的全面风险管理内容，结合其他监管要求，设计符合济阳农村商业银行实际的全面风险管理模型，详细论述各模块的内容、功能及实施措施。 最后，在法人治理、风险队伍建设、同业合作与交流、争取监管部门支持四个方面提出政策建议，以保障全面风险管理模型顺利实施。 本文通过研究，设计出的济阳农村商业银行全面风险管理模型，具有较强的实用性，对其他农村商业银行也具有一定的参考价值。

This paper takes Jiyang rural commercial bank as the research object. To explore how to strengthen the comprehensive risk management. In recent years, Jiyang rural commercial banks continuously strengthen the risk management in accordance with regulatory requirements, ensures that the safety management, steady development, the operation indexes up well, but there are still some problems in risk management, existing a great gap compared with the regulatory requirements. Fierce competition in the commercial bank, the risk for the amount, properties and structure of evolving, complexity and relevance of rising risk, under the situation, the research explores the ways and method of strengthening the overall risk management, it has an important practical significance in improving the management situation, meeting the regulatory requirements of Jiyang rural commercial bank as soon as possible and enhancing the core competitiveness. This article takes the method of literature research, case study, comparative analysis and depth interviews, mainly does the following work: First of all, the article studies related domestic and foreign literature of comprehensive risk management in the aspects of connotation, theory and practice, to master the core of the comprehensive risk management and the latest trends, to learn from predecessors' research results, to lay the foundation and provide the research idea of exploring the overall risk management of Jiyang rural commercial bank ; Study the successful case of Citibank, Zhangjiagang rural commercial bank and other successful cases at home and abroad to understand the case in the course of comprehensive risk management, sum up experience, in order to be inspired in solving the specific problems . Second, talk with the staffs, collect data, understand the present situation of Jiyang overall rural commercial bank risk management deeply, listen to their suggestions, with the standard of“the Guide in Mechanism and Construction of Rural Small and Medium-sized Financial Institutions in Risk Management”and“Methods of Capital Management in Commercial Bank”and other regulatory requirements , to find the gap and problems, clarify the thinking of improving the comprehensive risk management. Third, according to the content of “the Guide in Mechanism and Construction of Rural Small and Medium-sized Financial Institutions in Risk Management”，combined with other regulatory requirements, design the risk management model of Jiyang rural commercial bank according to the practice，discuss the content, function of each model and implement measures. Finally, put forward policy and suggestions in four aspects of corporate governance, risk team construction, trade cooperation and exchanges, support for regulators to ensure the smooth implementation of comprehensive risk management model. Through the research, the overall risk management model of Jiyang rural commercial bank that this paper designed has strong practicality, and has a certain referent value for other rural commercial bank either.