Evaluation And Research Onthe Regional Commercial Bank

In recent years, China’s sustained and rapid development of the financial industry, the financial product innovation pace has been quickened, these all brought the hidden danger to China’s financial market stability. At present, China’s banking sector has just experienced a period of rapid development, the scale of assets and profit growth is swift and violent, but in our developed banking means risk prevention and control state is at a relatively low level, it also brings a series of risks. In addition, in the process of global economic integration deepens in the background, the development of China’s banking industry in China and abroad will encounter the competition of foreign banks, these also brought challenges opportunities to our country banking industry at the same time. In the current era of post financial crisis, capital constraint, financial support media, competition, customer demand for integrated these make our commercial banks operating environment has changed a lot. In 2013, the domestic financial reform began again, continue to promote the marketization of interest rate, the survival of the domestic commercial bank deposit and loan spreads narrowed further, resulting in the domestic banking industry in 2013 profit growth fell sharply, the traditional banking business is facing huge challenge.Regional commercial banks, as the support of local economic development financialmain army needs in the current complex economic and financial environment with large domestic commercial banks and foreign banks competition. Its profit ability, risk control ability of all aspects will accept the new test. How to exert the advantage of regional commercial banks, competitive differentiation, and reasonable to control risk, eliminate these risks, to solve the financial risk problems emerging new research needs of our scholars and financial practitioners. Risk assessment system to establish a regional commercial banks is particularly important at the present stage. The use of risk assessment system, regional commercial banks can effectively identify the risk, avoid risk, in the early stage of risk control, greatly reduce the risk of losses, and make the sound operation of banking business’s benefit, but also conducive to the strengthening of the maintenance of financial stability and safety, and promote the stable development of economy.To construct a perfect risk evaluation system needs to be can reflect the scientific theory and methods of risk index and the change trend and causes of organic combining together. Risk evaluation system is constructed in this paper including the index selection, the critical value and the determination of index weight and evaluation index of interval etc.. Content first introduced the related literature at home and abroad, and then through the research on the current operating situation of Henan province regional commercial banks to find out the causes of these risks exist. At the same time, combined with the actual situation from the bank operation status of regional economy itself, the operation status of two modules were selected to determine the critical value of the index, uses AHP to determine the level of weight step by step. Then this paper selects the representative of a regional commercial banks and local a large state-owned commercial banks will be local, the index data into the evaluation system, gives the aspects and the module score, more accurately reflects the current situation facing the risk of. Finally, according to the comparison results of risk source of regional commercial banks the analysis above and the state-owned bank, the future regional commercial banks from the personnel training, the geographical advantage, the intermediary business risk prevention and control aspects are given, and accelerate the development of.