| Due to the fundamental position of agriculture, strengthening support and protection for agriculture is desperately needed, the Agricultural Development Bank of China shoulders the critical tasks of our country's purchasing rice, cotton and oil in accordance with the demands of our time. But , with the full-scale opening of rice market reform, the work range expand ,the agriculture policy bank will face deeper complexity and diversity of risk, risk management plays a more and more important role.The level of risk management determines the operational profits and future development prospect of a bank. Based on the above recognition, this thesis aims at doing deep analysis of as-is financial management, the existing financial risks and its cause of formation in the agricultural policy-related banks. The analysis is focused on policy risk, capital risk, asset quality risk, flow risk, interest and exchange rate risk, financial operation risk, out-of-sheet business risk, law risk etc. It also compares the financial risk management of policy-related banks locally and abroad to provide advices to the strategy and business development of Agricultural Development Bank of China. Finally, it concludes the financial risk management approach to fit for Hunan Branch, Agricultural Development Bank of China.The research methodology in this thesis is based on the quantitative analysis and qualitative analysis adopted to make research on financial risk management in Hunan Branch, Agricultural Development Bank of China. It summarized the deeply reasons of financial risk and refer to rich experience in local and oversea policy-related banks to point out the following research results. Firstly, strategy of risk management should be made; Secondly, risk management organization should be fulfilled; Thirdly, risk management policy should be perfected; Fourth, risk management mothods should be improved; Finally, the staff attainment should be increased. |
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