Research On Financial Risk Evaluation And Prevention Of The A Rural Bank

As we all know,the banking industry is the high-risk industry of currency management.with the increasing competition in the market,the risks faced by the banking industry are becoming increasingly apparent.The rural bank financial risk is different from the general industry financial risk,rural bank financial risk will affect the overall integrity of the national economy,once run phenomenon of village bank payment crisis and the large scale will cause the financial crisis to the rural areas,pose a threat to the financial security and the economy is in trouble.In summary,it is of great strategic significance to study the financial risk of rural banks for the sustained,stable and healthy development of the rural financial industry and even the national economy.In this paper,the A rural bank as the research object,using literature research,case analysis,data analysis and other research methods,and in accordance with the questions,analyze the problem,solve the problem of research ideas,the following conducted in-depth analysis and research:First,to study the financial risks of rural banks related issues for the foothold,by referring to the domestic and foreign financial risk related research literature,we get the related concepts and theoretical basis of financial risk,including the definition of financial risk,the type of financial risk,financial risk assessment methods and two kinds of financial risk management theory.Second;introduce the financial status and financial risk evaluation status of the A rural bank,and point out the existing problems of financial risk assessment of the A rural bank,so as to provide evidence for building financial risk assessment system later.Thirdly,taking the A rural bank as an example,based on the bank's financial status and actual conditions,combined with the method of camel evaluation,14 financial risk evaluation indexes were selected to construct the financial risk evaluation system of the A rural bank,financial risk comprehensive evaluation system.Fourth,the implementation of financial risk evaluation system from five aspects of capital adequacy,asset security,profitability,liquidity and management level of analysis of the existing the A rural bank financial risk management risk,risk evaluation results of these five aspects are obtained,using the financial risk comprehensive evaluation system the A rural bank financial risk level,at the same time with its related risk indicators as a reference,analysis of the A rural bank financial risk reasons.Fifth,in view of the reasons for the previous financial risk prevention measures to achieve the control and prevention of the A rural bank financial risk of the ultimate goal.