Research On Preventing And Resolving Financial Risks Of Policy Bank

The 19 th National Congress of the Communist Party of China said that the "Three major challenges"--preventing and defusing major risks,precision poverty alleviation and pollution prevention and control--should be tackled,very important.In recent years,risk cases in the financial sector have come one after another,with multiple outbreaks,and some even major systemic and local risk events,which not only harm the interests of the equity holders,and it has a negative impact on national financial security.In the face of the new economic development situation and the new requirements,the policy banks have also exposed the financial risk problem,which has a great impact on the high-quality development of our country’s finance,so we should strengthen the research on the financial risk of the policy banks,it is necessary to guard against and defuse risks.This paper makes an in-depth study on the prevention and resolution of financial risks of policy banks by combining Quantitative analysis with qualitative analysis,comparison and induction.Firstly,it introduces the related concepts and theoretical basis of policy bank and financial risk,and summarizes and analyzes the research results at home and abroad.Secondly,according to the characteristics of the policy banks,we have investigated the current situation of the financial risks of the policy banks,it is found that the hidden danger of non-performing loan is big,the debt structure is unbalanced,the policy adjustment causes the management risk to increase,and the overall risk management mechanism is not perfect.Then,combined with the case bank financial data and reporting information,this paper analyzes the five factors that influence the financial risk of policy banks,such as the influence of macroeconomic environment change,the lack of timely risk warning and response,the disadvantages of business expansion,the imperfect internal control system of banks,and the gaps in the construction of institutional teams.Finally,make a summary of the research paper,this paper puts forward corresponding suggestions from five aspects: improving the quality and efficiency of loan management,perfecting the mechanism of risk early warning and response,perfecting the internal control system,strengthening the construction of financial risk team,and increasing the strength of supervision,Discipline Enforcement and accountability,the purpose is to provide reference and reference for preventing and resolving the financial risks of policy banks.