A Bank Of The Jingdezhen City Financial Risk Management

Faced with the fierce competition and diversified market demand, to build the core competitiveness with their own characteristics, to improve the ability of financial risk management in banking and the ability to respond to, is the fundamental way out for the reform and development of commercial banks. The background of the development of China’s banking reform based on the business, in the transition period of the primary commercial banks, how to effectively control the financial risks, as far as possible to expand the operating funds for investment returns, reduce the influences of various uncertain factors on financial results has become an important topic of current business management.This paper takes Jingdezhen A bank as the research object, starting from the basic theory of commercial bank’s financial risk management, a comprehensive analysis of the existing in asset quality, liquidity, capital structure and interest rates and other aspects of A bank, A bank is the gap in the same industry, and from the five aspects of liquidity, security, capital adequacy, profitability, growth capacity building of financial risk index system to calculate its financial risk score for "attention" layer, namely:the overall financial risk condition as lower than other bank industry specific range, high financial risk, assets in general, need to take measures to reduce the risk of. Then analyze the main cause of risk, including a single city business mode, risk management organizational structure is not perfect, risk management consciousness and idea and actual implementation does not match, the risk management policy system is not perfect, the development of accounting internal control system construction and business are not coordinated and personnel quality is not fully reach the desired level, and from the strengthening of liquidity, improve capital adequacy ratio, the optimization of financial risk management organization structure, put forward the management strategies and improve financial risk management system, establish and improve the internal control system of accounting occupation literacy practitioners.