Research On Financial Risk Management Of QS Bank Xi'an Branch

With the rapid development of the further reform of interest rate marketization and Internet banking,China's city commercial banks face increasingly complex domestic and international business environment and increasingly fierce between banks,city commercial banks internal and external risk will continue to increase.In today's competitive environment,financial risk management system and a sound financial risk management to continuously improve the ability of China's city commercial banks,is the key to sustained,stable operation and development.This paper is intended to study the ability of financial risk management of QS bank Xi'an branch,the innovation based on the financial risk control mode in the current build,and hope to take this case to other commercial banks in response to the financial risk,to provide advice and reference to a set of strengthening financial risk management capabilities of enterprises.Based on the investigation found the problem,analyze problems,solve the problem of logic ",on the general analysis to the typical analysis as the main logic,research on financial risk management of city commercial banks.Firstly,sort out research at home and abroad.Through the dynamic research at home and abroad,to find the angle of analysis,some problems and solutions the research,especially for the study of the commercial bank financial risk is less,for the problem of insufficient;secondly,to clarify the basic theory of city commercial bank financial risk management,combined with the bank's overall risk management,financial risk management is different from the enterprise,put forward based on the theory of financial risk of commercial banks;thirdly,the overall analysis of the overall situation of risk management of city the commercial bank is analyzed,and the analysis on financial risk management problems,which lays the foundation for further analysis;fourth,branch of QS bank in Xi'an The research objects include credit risk,liquidity risk,market risk,operational risk and so on.The effect and existing problems are analyzed,and the causes of the problems are analyzed.Fifth,aiming at the existing problems,we put forward relevant countermeasures for financial risk management of city commercial banks.The full text of the research methods,mainly uses the method of case analysis,QS bank Xi'an branch practice experience and practice effect based on the analysis of the existing problems and causes,and put forward suggestions to the financial risk management,to avoid the occurrence of financial risk,the key to solve the credit risk and liquidity of firmsin the city's nervous problem,a is the active use of information platform,optimize the credit structure,improve the internal control system;the two is to carry out the implementation of comprehensive performance management,financial innovation was moderate.Through studying the practice with the theory of financial risk management,to help the identification of the financial risk to a certain extent,so as to improve the level of financial risk management,effectively enhance the comprehensive competitiveness.And provide reference for other small and medium-sized commercial bank financial risk management.