Research On Financial Risk Management Of XX Bank

The nineteen proposes that we should further deepen the reform of financial market system and speed up the marketization of interest rate and exchange rate in China.With the increasing openness of China's financial market,the XX commercial bank,an important part of the financial market system,faces an increasingly severe survival challenge,especially in the downlink of the current economy.The direct financing market is constantly developing and perfected,and the deposit and loan spreads under the interest rate marketization are narrowing.At the same time,in recent years,with the increase of XX commercial bank business and the expansion of credit scale,XX commercial bank also produced a large number of non-performing loans of bank while increasing credit business to gain profit,and the financial risk of XX bank is increasing.In this reality,how to prevent and resolve financial risks is particularly important for the stable operation of XX commercial banks.It's important.Its stability and development is very important for the financial and economic operation of the whole region.Based on the deepening of the financial risk of XX commercial banks,this paper begins with the analysis of the development status of XX commercial banks,and makes a thorough research on the financial risk of XX commercial banks under the background of the increasing financial risk,using the method of combining theory and empirical analysis.In the course of the study,the comparative analysis method and literature retrieval method are used to sort out the domestic and foreign scholars' research on the financial risk of XX commercial banks,and summarize the research on the financial risk theory of commercial banks at home and abroad,and the research on the financial risk measurement model of commercial banks.Secondly,it makes a detailed analysis of the basic situation of XX commercial banks,the financial situation and business status of XX commercial banks in recent five years.Through the analysis of the financial situation of XX commercial banks,we find that XX commercial banks have the problems of bad loan risk,liquidity risk,credit risk risk and profit margin in the process of operation,and make a scientific and comprehensive analysis on the 4 problems existing in XX commercial banks,and analyze the problems and causes of XX commercial banks in the process of development.In the fifth chapter,the paper puts forward some suggestions and Countermeasures to control the financial risk of XX commercial banks,and thinks that XX commercial banks should strengthen financial budget,strengthen the management of liquidity risk,gradually improve the internal control system and improve the early warning system of financial risk,and carry out financial risk management in these four aspects.In the sixth chapter,we summarize the new inspiration of XX commercial bank and the research process in this paper.