Abstract:The optimized resource distribution and risk management in financial industry, especially in the commercial bank system, play extreme important roles in national economy. Members of the Research Group on Finance and Management Science sponsored by CAS and CASS have engaged in studying for years the business management, financial market and risk management in commercial banks. They have collaborated closely with commercial banks, aiming at those practical problems urgently needed to be solved. Their research provides decision support for business reconstruction and risk prevention in commercial banks.