A Branch Of Agricultural Bank Of China Financial Risk Management Research

The financial industry is an important part of contemporary social economy, and the financial sector’s top priority is the banking sector, which in national economic development has an irreplaceable role of the media. Therefore, the stability and smooth development of commercial Banks can directly relate to the social economy sustained steady development. Facing competition in the industry, commercial Banks must improve the resilience and the ability to control risk, guarantee the stability of the business at the same time improve their profitability and market competitiveness. So, urgent priority of commercial banks’ financial risk management are to effective defense and control financial risks, to improve their profitability levels, reduce the impact of non-performing loans to operating profit.In this paper, A City branch of the Agricultural Bank of China A case as an object, as well as commercial banks financial risk management theory as a basis, by A branch with A city compare good five Banks operating conditions, an analysis of A branch in liquidity, profitability, capital, asset quality and management level of the financial risk faced by problems, Including asset liquidity is low; Profitability is low; Capital risk is higher; Loan capital concentration and non-performing loan ratio is higher,; The problem such as low cost control ability. And then further study the A branch of the main causes of financial risk management problems, Including domestic economic downturn, the external objective reasons, such as government intervention and debt scale is too large, the intermediate business lacks internal subjective causes of the high credit risk. And strengthening liquidity management, financial risk management, lending the whole process of management, profitability management and enhance the internal risk management culture A branch level, the branch of A made recommendations for improvements and measures.