Research On The Evaluation And Countermeasures Of Bank A’s Management Based On CAMEL Method

As the macroeconomic form changes,commercial banks need to change their development mindset,operate solidly and address potential risks.The operation and management of commercial banks can not only reflect their own activities,but also measure their competitiveness in the same industry.Therefore,the question of whether we can reasonably assess the level of operation and management of commercial banks can help to improve the banks’ market position and effectively derive operational risks.First,the background and importance of the research is presented in detail and the research on the evaluation of commercial banking operations and commercial bank risk management at home and abroad is summarized and deepened,which provides a certain theoretical basis for the evaluation of the management level of Bank A.Then the camel valuation method is applied to analyze the operational and management level of Bank A from five aspects: capital adequacy,asset quality,managerial capacity,profitability and liquidity level,and to comprehensively assess Bank A’s operational and managerial capacity.As a typical representative of small and medium-sized commercial banks,Bank A has taken full advantage of its regional advantages and rapidly occupied the local market in recent years,but has also caused many problems in its operations.By analyzing Bank A according to Kamel Evaluation Method,it is found that the bank has problems such as lax credit supervision,increased non-performing loans,lack of effective profit points,weak follow-up growth,insufficient management capacity and imperfect risk management system.It also proposes countermeasures such as expanding high-quality capital,accelerating the sale of non-performing loans,strengthening financial innovation,strengthening employee training and strengthening risk monitoring.The camel valuation method combines financial and business data and can comprehensively and effectively analyze the operation and management of commercial banks.By analysing and examining Bank A’s operational risks,this paper can not only help Bank A identify the problems in its management and propose further preventive measures,but also provide references for other small and medium-sized banks to maintain the stable development of the financial market.