Research On Financial Risk Control System Of Heyuan Rural Commercial Bank

In recent years, Heyuan area of the market economy is developing rapidly, Heyuanagricultural firms with deepening reform, has been transformed from the Heyuan ruralcredit cooperatives for Heyuan rural commercial bank, but because the Heyuan ruralcommercial bank restructuring time is short, small, still has certain financial risks, in orderto adapt to the economic development of Heyuan Province, Heyuan agricultural firms needdesign and improve the commercial bank’s financial risk control system, to conduct acomprehensive monitoring to deal with bank risk, to reduce the effects of risks. This paperbelieves that the establishment has a strong practical significance to Heyuan ruralcommercial bank financial risk control system.This paper first describes the Heyuan rural commercial bank financial risk control systemresearch background and significance, and the research status at home and abroad areanalyzed, and the theoretical basis for this paper. Then the basic situation of Heyuan ruralcommercial bank are analyzed, find out the existing Heyuan agricultural firm’s financialrisk, and to study the causes of Heyuan rural commercial bank financial risk. Researchshows that, at present, Heyuan rural commercial bank’s financial risk has the followingseveral points: capital risk, asset quality risk, interest rate risk, liquidity risk and legal risk.These risks are the reasons for its existence. On this basis, this paper studies theestablishment of Heyuan rural commercial bank financial risk control system from severalaspects. First, analyzed the reason why to establish the system of financial risk control ofHeyuan agricultural firms, and expatiates how to establish the Heyuan rural commercialbank financial risk control system. Second, determine the related financial indicators andrisk factors. In this process, to determine the scope of risk control indicators and weights,finally obtains the score and classification. This paper mainly carries on the analysis fromthe capital adequacy, flowing sufficiency, asset security, income rationality of four types ofindicators. Third, of all kinds of indexes for the final score. According to the final score canbe judged at Heyuan commercial bank risk level is in what position. Finally, on the basis ofprevious research, and puts forward some problems should be paid attention to theapplication of control system of Heyuan rural commercial bank financial risk, and according to the Heyuan rural commercial bank risk control puts forward constructivesuggestions. Conclusion it is expected that this study can provide practical suggestions forcontrolling financial risks in Heyuan rural commercial bank.