Research On Financial Risk Management

Since the reform and opening up,China's socio-economic aspects of the pace of development,the pace of development is also accelerating,pay more attention to the world in the economic and cultural exchanges and other aspects.In the international market environment,the internationalization of all walks of life continues to deepen,the financial industry is no exception,which to some extent also means that the development of China's commercial banks has entered the ranks of the international financial industry competition.Commercial banks are a special industry,mainly responsible for the operation and management of monetary funds and credit business.In the process of commercial bank operation and development,the risk can not be ignored,and it is the key problem that can not be avoided.Moreover,for the development of commercial banks,the scientific management,efficient management level,which is to promote the development of commercial banks,the core driving force,but also in the fierce competition in the core competitiveness of the market.In recent years,the development of China's joint-stock banks is booming,the scope of business has gradually widened,the types of business have increased,the scale of assets of banks has been expanding,and the incidence of financial risks has increased.However,at present,the financial risk management level of China's joint-stock commercial banks is far lower than that of western developed countries,and the financial risk management still lacks practical experience and exposes many problems.Industrial Bank is one of the first joint-stock commercial banks of the People's Bank of China.It is also one of the most developed banks in China's joint-stock commercial banks in recent years.Case studies of Industrial Bank are typical.In this paper,the financial risk management of commercial banks as the theoretical basis,first through the entropy weighting method of B branch of Industrial Bank and the city of B has five banks to carry on the comparison,including the deposit structure and payment guarantee(liquidity),comparison of asset quality,profitability and management level,capital risk four aspects of ten groups the data obtained,problems of B branch of industrial bank non-performing loan rate,poor profitability,intermediate business income structure,asset liability structure is irrational,the level of cost control etc..To analyze the causes of the problem and the decline in the economic situation at home and abroad,including local government intervention in the market and guarantee circle and the newly established institutions such as external business development of light risk prevention,single profit model,the lack of intermediary business,imperfect internal control mechanism,internal.Finally put forward the financial risk management of B branch of Industrial Bank,including maintaining balance steady growth,to do a good job in the disposal of non-performing assets and management,vigorously develop intermediary business,pay attention to external business development and risk prevention and control,establish a sound risk control mechanism,improve staff awareness of risk prevention.To improve the Industrial Bank B branch of financial risk management.