Research On Financial Risk Evaluation Of C Rural Commercial Bank Based On Camel Evaluation System

Rural commercial banks are an important pillar of China’s rural economic development.With the continuous change of domestic financial policies and the rapid development of market economy,the financial risks faced by rural commercial banks are gradually increasing.Financial risk is a kind of risk closely related to the capital operation of the bank.It not only tends to other risks,but also exists in all links of the daily operation of the bank.If commercial banks want to achieve long-term and sustainable development,they should pay attention to their existing financial risks,clarify the causes of financial risks,put forward financial risk prevention and control countermeasures,and establish and improve financial risk evaluation and prevention and control mechanism.Therefore,improving the financial risk evaluation level of commercial banks and improving the financial risk prevention and control system to make it operate healthily and stably is a major issue facing China’s banking industry.Based on the camel evaluation system,this paper takes C rural commercial bank as the case study object.After understanding the current operation and financial risk status of C rural commercial bank,this paper selects common and objective financial indicators from capital adequacy,asset quality From the five aspects of management level,profitability and liquidity level,this paper identifies and evaluates the financial risks of C rural commercial bank,summarizes the financial risks such as the pressure of capital supplement,low profitability,personnel quality still needs to be strengthened,and the level of cost management needs to be improved,and analyzes the causes,respectively from improving capital adequacy,enhancing overall profitability Improve the level of comprehensive management and give preventive countermeasures.The research on the financial risk evaluation of C rural commercial bank is beneficial to its rational and efficient resource allocation,improve the level of financial risk prevention,and then promote the stable and healthy development of the bank.At the same time,C rural commercial bank is a very representative rural commercial bank in the region.The case analysis of its financial risk evaluation can comprehensively reveal the current development status of rural financial institutions,which has a certain reference value for promoting the healthy development of rural financial organizations and maintaining the stability of financial market.