Research On Financial Risk Prevention Of Regional Commercial Banks In China

As China's financial markets continue to be open,many small and medium-sized commercial banks are also set up throughout the country and the regional commercial banks are the majorities.regional commercial banks refers to its branches and business scope covers only local areas of commercial banks.For example,Dalian Bank,Dongguan Bank,Yingkou Bank,Harbin Bank.They depend on the local economic environment and business,providing the service not only for people,but also for the local economy.However,China's economy is in the downstream channel,as an important part of the financial market system,commercial banks are also facing increasingly serious challenges of survival,with the rapid development of Internet finance,interest rates have entered the market model,making deposit loans spread Narrow,with huge profits of the original commercial bank model has gone,especially in regional commercial banks,under the influence of the financial market environment,it is much more difficult to develop the regional commercial banks.Therefore,if the regional commercial banks want to achieve sustainable management,it is needed to promote financial innovation,try new business model,control the financial risk.it has became increasingly urgent for regional commercial banks.Based on the actual situation of our country,this paper analyzes the problems which are existing in the financial risk of the regional commercial banks,under the guidance of the scientific and effective financial risk management concept and the business characteristics of regional commercial banks,using scientific methods and means.The reasons for the sub-description,put forward the corresponding countermeasures.Thus ensuring the operation of regional commercial banks.This paper focuses on the current business situation of regional commercial banks,and uses the Longjiang Bank Co.,Ltd.as a case,analyzes the common problems of regional commercial banks,which is in the period of the top 100 commercial banks and the great development period,The rapid development of business will always be accompanied by the risk.Through the analysis of this paper,we can provide regional commercial banks with the method of controlling and preventing financial risks and enhance the competitiveness of regional commercial banks in the same industry.