Risk management ability is the bank's core ability, commercial bank risk management ability, or directly affect the bank existence. In economic and financial globalization background, learning and western commercial Banks of management and strategic management is of positive significance. But China's commercial Banks in risk management, no matter risk management concepts, or techniques, methods, etc. Are all western developed countries in Banks have difference. Attempts to western risk management was analyzed, our country commercial bank risk management problems, and proposes strengthening risk management advice. The bank as the management of special product - monetary fund of special enterprise, is a high-risk industry. The most striking features is indebted management, this characteristic decided the wind ?