| With the continuous advancement of economic and financial globalization and further deepening of domestic financial reform,global instability has intensified and domestic economic growth has slowed down.Meanwhile,as an important financial institution and market player,commercial banks,especially rural commercial banks,have faced great challenges due to the market weakness caused by the COVID-19 epidemic,the uncertainty caused by interest rate liberalization and the strengthening of financial regulation.It is of great significance for commercial banks to improve operation management,resolve financial risks,improve operating performance and improve competitive ability to stabilize financial market and promote the sustainable development ability of Chinese financial market.This thesis,taking ES rural Commercial Bank as the research object,analyzed the operation and financial risk management status of ES rural commercial bank through seven dimensions of the rating system to find out the causes of its risks,and on this basis proposed risk management measures for ES rural commercial bank.This paper first describes the theories related to risk management of commercial banks,systematically describes the analysis methods of ES system,and gives an overview of rural commercial banks and their problems now facing ES.Then,based on analysis methods,this paper analyzed the risk level of ES rural Commercial Bank vertically and horizontally,and selected the data of ES Rural Commercial Bank from 2018 to2021.It found that its risk level showed great fluctuations in various indicators during this period and showed an increasing trend.Compared with the average data of commercial banks across the country,it is found that ES rural commercial banks have certain advantages in terms of liquidity,and their risks in terms of capital adequacy,asset quality,profitability,cost control and business innovation are all higher than the average level of rural commercial banks across the country,The overall business situation is declining year by year,and facing greater regulatory pressure.Based on the above analysis,the causes of the problems should be found.Some suggestions are put forward,such as diversifying capital supplement channels,vigorously developing intermediate business,establishing the concept of comprehensive expense management,perfecting the expense management system,adjusting the structure of credit assets,perfecting the system management of the whole process of loans,strengthening the management of non-performing loans,formulating scientific and reasonable personnel selection and employment mechanism,improving the risk awareness and compliance awareness of employees,and cultivating the culture of internal control enterprises. |
