Research On Financial Risk Evaluation System Of Policy Bank

With the development of economic globalization,the relationship among the economies become closer;A country's financial market turmoil will have a great impact on global finance.The 2008 US subprime crisis had devastating impact on US commercial banks and investment banks.Meanwhile,the outbreak of the economic crisis also affected the North America,Europe and Asia,even the global economy market are subject to different degrees of adverse effects.Therefore,a country's financial risk control on the entity economy has a very significant significance.The stability of the bank which is the most important financial institution has significant impacts on the country's financial and economical development.Among the members of the banking industry,the policy banks play an irreplaceable role in promoting the healthy development of enterprises,supporting infrastructure construction and supporting the steady progress of the national economy.Therefore,the study on financial risk control of policy banks has great significance in practice.This paper primarily introduces the concepts of financial risk and its control,and the studies of the current situation and existing problems of financial risks of policy banks.Secondarily,the paper adjusts the proportion of the corresponding indexes and combines with the characteristics of policy banks to build a financial risk evaluation system suitable for policy banks,which is on the basis of the existing financial risk evaluation system.Thirdly,using the specific financial risk evaluation system,the actual cases are measured by the indicators separately.Because of the special character of the policy banks,the loan business accounts for almost all of its assets and it has no supplementary capital except for government funds or bonds.Its own goal is not to pursuit the commercial profits,but to do some help for national development,people's livelihood and other social welfare activities,and its overall financial risk is at moderate level in the banking industry.Finally,the author made a concluding summary of the research on the financial risks of policy banks from the following four aspects:perfecting the internal control system,strengthening the pre-loan investigation,strengthening the post-loan review and establishing the risk early warning mechanism.At the end of the paper,the author described the shortcomings of the study and analyzedthe trend of future research in order to measure the financial risk of policy banks in a more comprehensive and objective way,and provide more helpful suggestion on the management and risk control of banks.