Financial Risk Assessment Of Commercial Bank Of China Listing

In2012, global economic growth speed has slowed down. Influenced by the internal and external economic environment, the uncertainty of the future economic development of our country is faced with more economic risk increased accordingly. Banking industry, as the center of the economic risk, should pay more attention to the abilities on resisting risk.Based on the domestic and foreign theory concerning the commercial bank risk management and supervision system as a foundation, regard the commercial bank financial risk as breakthrough point, this paper studies the risk of commercial bank from the angle of financial risk. In the introduction of the commercial bank’s risk theory, in this paper, the bank’s financial risk is divided into three levels of five aspects, builds up the evaluation index system of commercial bank financial risk on the basis of brief analysis of the risk. In order to evaluate the financial risk of the16listed commercial banks in China, this paper constructs the fuzzy comprehensive evaluation model of bank’s financial risk based on the fuzzy comprehensive evaluation method and entropy value method. This article selects the financial data of the16listed commercial banks in China of2012as evaluation objects, uses the fuzzy comprehensive evaluation model to evaluate the financial risk of the16listed commercial banks in China of2012, and then uses SPSS cluster analysis in classifying the listed commercial banks, to prove the rationality of fuzzy comprehensive evaluation results.According the evaluation results, this paper gets the following conclusions:first, the financial risk of16listed commercial banks in China of2012is on the neutral position, in a controllable scope; second, in category, the bank financial risk of listed commercial does not have much contact with the scale of bank. In general, city commercial bank’s financial risk is less, the financial risk of the joint-stock commercial banks is on a higher level, and the state-owned bank financial risk is diversified. By evaluating the financial risk of listed commercial banks in China, the conclusion on risk management of commercial banks in China has a certain reference value.