Risk transfer strategy, also known as risk transfer strategy, is to ensure the interests of commercial banks by transferring the risks of assets and liabilities to their opponents. Controlling risk loss is a common strategy of commercial banks. The main methods are: transfer, which refers to the transfer of risks held by commercial banks, usually the transfer and transfer of loans and securities risks.

Insurance means that commercial banks require borrowers to insure the collateral of loans with insurance companies, and if unexpected losses occur, they will be compensated. Hedging and swap transactions mean that commercial banks use the forward foreign exchange market and financial futures market to hedge their value, or adjust the asset-liability structure through currency swap and interest rate swap transactions, so as to transfer exchange rate and interest rate risks.