| With economic globalization and financial integration,the complicated and severe economic environment has brought enormous challenges to commercial banks.The uniqueness of commercial banking business determines that its development and risk are inseparable.Among many unavoidable risks,financial risk is the most important.The acceleration of China's market interest rate process and the development of macroeconomics have led to the increasing scale of commercial banks,the complex and variable business types,and the growing financial risks.The level of financial risk management determines the core competitiveness and enhances their own defense against finance.The ability has become an urgent demand of commercial banks.Taking Industrial Bank as an example,based on the financial data of the annual report for the period from 2013 to 2017,this paper firstly analyzes its financial status from three aspects: assets and liabilities,profit and loss,and changes in shareholders' equity.Then,the current financial affairs of Industrial Bank The current situation and problems of risk management were analyzed and analyzed.It was found that Industrial Bank also had many financial risk problems at the same time of rapid development.For example,the ratio of deposits and loans was high,the ratio of funds to be borrowed exceeded the red line,and the ratio of higher liquidity lowered the profit level;capital adequacy ratio is lower than the same industry level,there is risk of capital loss;poor quality of assets,net interest margin,narrowing of net interest spread,etc.;Then based on AHP analysis,combined with the internal control evaluation report,the financial risk management Comprehensive evaluation,and finally proposed that Industrial Bank should strengthen the management of liquidity risk and capital management risk,optimize asset quality,enhance its ability to create value,and improve the risk internal control system and governance structure,and comprehensively enhance its own defense against finance. |
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