Abstract

The COVID-19 outbreak in 2020 has had a significant impact on the global economic situation, with the banking sector being exposed to various degrees of risk in various aspects. These include liquidity risk, credit risk, market-based risk and operational risk. And in the post-epidemic era of policy adjustments, bank failures or bankruptcy caused by the Fed's interest rate hikes have also become cases that need to be focused on when managing risk in the banking industry today. This paper will discuss the risk management of commercial banks in the context of the epidemic by referring to cases such as the bankruptcy of Silicon Valley Bank and the failure of Credit Suisse Bank, as well as the effectiveness of the Basel Accord, the mainstream banking regulatory system, and eventually give suggestions on the future direction of management and regulation in consideration of the current problems and conditions faced by banks.

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