Study On The Asset Risk Management And Countermeasures Of Agricultural Bank

In recent years,the state has further promoted the reform of the supply s ide structure.The reform has begun to be effective,the profit level of the re al industry has been gradually improved,the domestic supply and demand rel ationship has changed obviously,the industrial structure is constantly optimize d,and from the simple pursuit of economic growth to the pursuit of stable a nd healthy and sustainable economic development.China's economic development has entered a new normal state.In order t o continue the reform of the supply side structure,the policy of deleveraging has become an important part of the reform of the supply side structure.At this stage,the main concern of the state's economic policy has focused on h ow to identify and control the financial risks and how to eliminate the asset bubbles.The asset risk management of commercial banks is the first to be th e key to the banking industry.Focus on the note.At this stage,the national macro-economy is in the shift period of economic growth,the period of econ omic structure reform and the "three phase" of the national economic policy s timulus period,and the excess capacity of some enterprises,lack of managem ent ability,which leads to the difficulties of the management,the increase of credit risk,the internal governance structure of the bank,the information syste m and the quality of personnel,and so on.The bank's assets management sys tem is not perfect,the external environment pressure of state risk,market risk and interest rate risk,and the internal environment problems such as credit r isk,liquidity risk and operation risk make the asset risk management of com mercial banks more difficult.Since the nineteen major,the asset risk management of commercial banks has become an important issue.In this paper,through the analysis of the fin ancial report from the Agricultural Bank,asset quality,asset profitability,capit al adequacy and liquidity aspects of asset risk management on the bank's evaluation,analysis,and combined with the Y branch of the Agricultural Bank of A city advanced asset risk management experience,put forward the correspo nding countermeasures: to strengthen internal management system to strengthen the construction of information system;optimization;risk warning system;im prove the interest rate risk management technology;continuous improvement o f credit risk management services;boost real economy;do fine risk control a nd resolve.