随着互联网业务的冲击，电子金融业的发展为银行业的发展带来了崭新的机遇和极大地挑战，客户面临的选择愈发多样化，商业银行面临的经营环境也更加复杂，潜在的风险和隐患极其容易发生，而且还会突然发生，变得越来越复杂，给银行的经营带来很大的压力。兴业银行太原分行作为二线城市的一家股份制商业银行，在太原的众多银行中面临着巨大的竞争压力。因此，只有做好风险管控，才能确保依法合规经营、及时解决合规缺陷，才能提升风险管控能力，有利于兴业银行太原分行的业务发展和战略目标的实现。

风险识别与风险评价、风险控制是一项周而复始的工作。本文首先对国内外文献研究进行了综述，并且梳理了风险管控相关的理论知识；其次，从组织架构、基本经营情况、主要风险业务种类对兴业银行太原分行的风险管控现状进行了分析；再次，对兴业银行太原分行的主要风险进行识别和评价，对风险点和风险等级进行了评估；最后，为促进兴业银行太原分行的业务发展，从以下几个方面提出了优化兴业银行太原分行风险管控的意见和建议，如建立完善的风险管控制度，完善兴业银行太原分行风险管控系统，建立大型数据库，培养专业风险管控人才，深化风险管控理念、贯穿合规文化，关爱基层员工、减轻员工压力等。

With the development of the Internet banking industry, more and more complex business opportunities and challenges will be brought to the banking industry.As a joint-stock commercial bank in the second tier city, Taiyuan branch of industrial bank is facing great competition pressure among many banks in Taiyuan. Therefore, only by doing a good job in risk management and control, can we ensure the operation in accordance with the law, solve the compliance defects in time, and improve the risk control ability, which is conducive to the business development and the realization of strategic objectives of Taiyuan branch of Industrial Bank.

     Risk identification and risk evaluation, risk control is a cycle of work. Firstly, this paper reviews the literature research at home and abroad, and combs the theoretical knowledge related to risk management and control; secondly, it analyzes the current situation of risk management and control of Taiyuan branch of Industrial Bank from the organizational structure, basic business situation and main types of risk business; thirdly, it identifies and evaluates the main risks of Taiyuan branch of Industrial Bank, and advances the risk points and risk levels Finally, in order to promote the business development of Taiyuan branch of Industrial Bank, the paper puts forward suggestions and suggestions on optimizing the risk management and control of Taiyuan branch of Industrial Bank from the following aspects, such as establishing a sound risk control system, improving the risk control system of Taiyuan branch of Industrial Bank, establishing a large database, training professional risk management and control personnel, deepening the concept of risk control and penetration Compliance culture, caring for grass-roots staff, reducing staff pressure, etc.