Financial Risk Measurement And Analysis Of City Commercial Banks In Gansu Province Based On Comprehensive Index

As the subject of providing financial services,adjusting the allocation of economic resources and satisfying the economic and social development,urban commercial banks in houfa area have played an active role in poverty alleviation and industrial structure transformation.Since 2016,the CPC Central Committee and the State Council have attached great importance to the issue of financial risk,requiring the banking industry to adhere to the general tone of seeking progress in stability and implement the key tasks deployed by the Central Committee.As an important part of the financial system,the stability of the banking system is of great significance to China's economic development.Therefore,the central bank and China Banking Regulatory Commission have issued a number of regulatory policies,which require the banking industry to keep the bottom line of no systemic financial risk,adhere to the long-term rectification of chaos and risk prevention and control.The financial risk of city commercial banks is not only related to the safety of their own development,but also easily derived into regional risk,especially in the case of insufficient risk prevention capacity in the late developing areas,which will cause serious impact on the local economy.Based on the research object of urban commercial behavior in Gansu Province,this paper measures and analyzes the financial risks of urban commercial banks in Gansu Province,and studies the characteristics and types of financial risks of urban commercial banks by using the related theories of financial risks.Based on the detailed analysis of the operation and risk-taking situation of two city commercial banks in Gansu Province,the financial risk of city commercial banks in Gansu Province is measured according to the two categories of systematic financial risk and non systematic financial risk,the index system at the macro and micro levels is constructed,the comprehensive index method is selected to measure the financial risk,and the financial style of city commercial banks in the later developing areas is studied Finally,it summarizes the general situation of financial risk of city commercial banks in Gansu Province and puts forward suggestions for their future development.