Research On Financial Risk Management Of Fuzhou Rural Commercial Bank

Rural cooperative financial institutions(including rural commercial Banks, rural cooperative Banks, rural credit cooperatives, hereinafter referred to as the agricultural institutions) strength is the foundation of the rural financial system, is the main force of rural finance in China, is rooted in rural areas, the backbone of the service to agriculture, rural areas and farmers. With the gradually deepening of China's rural financial system reform, to farmers in the organization's financial risk management in the new period puts forward higher requirements, and because the farmers organization historical baggage, management system and service direction limitations, such as financial risk inevitably become the focus problem that affect the stable operation and sustainable development. At present, farmers and institutions, in the period of reform, development and transformation of important external risk facing increasingly complex, the internal risk gradually revealed, urgently need to establish effective financial risk management mechanism, to promote sustainable development of agriculture and institutions, maintaining the rural financial market stability and prosperity, guarantee the stability of the economic society.Risk management refers to the process of dealing with financial risks and opportunities. On eyes of this paper lies in that in Fuzhou Rural Commercial Bank as an example to explore farmers and institutions of the financial risk management related issues, in the study of domestic and foreign financial risk management, on the basis of related literature, combining with the related theory of risk management, in Fuzhou Rural Commercial Bank as an example, through the analysis of Fuzhou Rural Commercial Bank financial risk management status, risk management of the existence of loopholes, etc., points out the importance of financial risk management mechanism, the necessity, and in the China banking regulatory commission under the guidance of the theory of risk management, combined with financial risk management of grass-roots farmers and characteristic of the realistic needs, establish a mechanism of financial risk management related Suggestions, positive for agricultural institutions of financial risk management and Suggestions on sustainable development.