Research On Optimization Of Financial Risk Management Of XT Rural Commercial Bank

Commercial banks are in a key position in the financial field.Rural commercial banks are the backbone of China's rural financial sector.Because the predecessor of rural commercial banks is rural credit cooperatives,the historical burden is heavy,the service direction is limited,and the management system is backward.the frequent occurrence of financial risks has seriously affected its survival and development.Nowadays,China's rural commercial banks are still in a critical period of transition from traditional rural credit to commercial banks.Its development is also affected by the current macroeconomic environment,and problems in financial risk management are gradually emerging.This paper studies the current financial risk management issues of rural commercial banks,finds problems in financial risk management,and explores effective optimization strategies based on problems to promote the stable operation and sustainable development of rural commercial banks,and to make financial markets stability.This article takes XT Rural Commercial Bank as the research object.Based on the research literature related to financial risk management at home and abroad,combined with the relevant basic theories of financial risk management,the qualitative and quantitative research methods are combined.Firstly,the related theories of financial risk and financial risk management are summarized.Then I classify the financial risks of commercial banks based on the relevant data from 2015 to 2017.This paper describes the risk status of the five aspects of asset quality risk,liquidity risk,capital adequacy risk,market risk and profitability risk of XT rural commercial bank,and finds the farmer's business through the analysis of the status quo.Problems in bank financial risk management,and analysis of the reasons for the problems.Finally,the supporting optimization measures for XT Rural Commercial Bank's existing financial risk management issues are proposed.Through the research in this paper,There are many problems of XT rural commercial bank in financial risk.This paper argues that for capital adequacy,XT rural commercial banks should expand the channels for raising capital and reduce the proportion of risk assets;For liquidity risks,they should strengthen liquidity risk management.First of all,raising liquidity risk from the perspective of consciousness.The management attaches importance to stress testing or constructs a corresponding early warning system;For asset quality risks,the entire process of loans should be improved,and the loans should be supervised in real time;For the level of profitability,the cost should be effectively reduced.XT rural commercial bank should strengthen self-pricing ability and strengthen interest rate risk management.Through the research in this paper,we can find out the problems of XT Rural Commercial Bank in financial risk management,optimize the shortcomings of XT Rural Commercial Bank in financial risk management,and provide experience for commercial banks in financial risk management.