Study On Risk Assessment And Prevention Strategy Of The Agricultural Development Bank Of China

As to build a new socialist countryside comprehensive advancement and thedeepening reform of the rural financial system, the bank as the support in the field offinancial, complement and guide function of policy financial (bank), on the one hand,to complete the government policy, the full implementation of the national variousJiangNong favorable policies, on the other hand, within the scope of the policy allowsindependent choice both social benefit and economic benefit of commercial business.And all kinds of business, because of the credit risk and operational risk increasinglycomplex, especially the credit risk faced by policy business with different parts of thecommercial operations.In this paper, using the theory of financial risk management, statistics, etc, using thebank’s financial data, using the method of normative analysis and theory with practice,comprehensive analysis of credit risk and operational risk faced by the bank. Firstcomparative analysis method was used to study the particularity of the bank creditrisk and operational risk and the reasons, and then, through the horizontal comparisonthe bank with the industrial and commercial bank of financial indicators, to comparethe bank xinjiang branch of historical financial data, in-depth analysis of hami districtbranch, the bank loan enterprise debt paying ability, profitability in a quantitative wayto understand the current situation of the bank credit risk and operational risk, throughthe financial indicators, found that the bank xinjiang branch loan amount increasedyear by year,2004-2013balance of non-performing loans and non-performing loanratio showed a trend of double drop; Hami district,2008-2013the bank branch loanobject credit rating is mainly focused on A level, A small amount of distributed in Bgrade, loan enterprise liquidity ratio is low, profitability is good but the volatility is bigger.Finally, the author tries to put forward credit risk and operational risk managementrelated Suggestions: in terms of the credit risk prevention,(1) perfect the bank riskinternal control mechanism, risk security mechanism and compensation mechanism;(2) establish appropriate capital withdrawal mechanism;(3) check, before the creditloan in the whole process monitoring, post-loan credit to guard against credit risk;(4)to establish credit risk management related supporting facilities, such as based onRAROC risk performance by discussion; In terms of operational risk,(1) buildresponsibilities clear risk management framework;(2) improve the internal controlmechanism;(3) and optimize business processes;(4) build the culture of theoperational risk prevention and control, fundamentally attaches great importance tothe operational risk management;(5) improve the quality of the personnel, theestablishment of loss database, quantitative operation risk;(6) by improving theexternal environment to guard against operational risks. Keywords: particularitypolicy Banks risk management advice...