Risk Analysis Of Commercial Bank's Financial Management And Its Application In National Financial Audit

Financial services is an important innovation business of China's financial institutions,especially commercial banks.Since its birth,it has developed into the most closely related financial services products.However,as a part of the financial market,the financial management business will inevitably face the risk of financial market,which has been the focus of the regulatory and audit departments.Therefore,the risk of commercial bank financial services from the national financial audit perspective,and explore the audit model of financial services is conducive to the prevention of financial business risks,to better promote the healthy development of financial services.In the face of various risks emerge in an endless stream of financial products and the attendant,the national audit authority shall submit the commercial bank financial business as a key area of concern,forced from audit and improve financial supervision policy,strengthen the effective supervision of financial services,to improve China's financial system,is of far-reaching significance to optimize the financial structure and prevention system risk.How to carry on the research of the system audit method to the commercial bank financing business,is the realistic question which the national audit office staff faces.This study is based on the national audit angle,explore the construction method of financial business risk audit of commercial bank is reasonable,the national audit institutions give advice and suggestions to contribute.First of all,by the way of investigating the commercial bank financial business operation,familiar with the financial business operation process,the risk factors of the bank's financial products are classified;then the risk index constructed through questionnaire survey and statistical analysis,using AHP to quantify financial business risk factors that affect the level of risk.The overall risk factor on financial services;finally,the introduction of a commercial bank financial business case audit analysis,combined with the comprehensive evaluation method to evaluate the risk level of the banking business,verification audit model of science and rationality,and puts forward relevant suggestions on financial business audit.