Financial Risk Evaluation And Control Of Rural Commercial Bank Based On Camel Evaluation System

With the advent of the "Internet +" era,the emergence of some new forms of payment,such as Alipay and microfinance payments,and some attractive ways to absorb capital,will have a negative impact on the traditional business development of the banking industry.And with the further development of financial market,the major commercial banks have sprung up and the competition has gradually intensified,and the main content of the bank's operation is the special object of the currency,which itself has great risk,so And then through the expansion of bank lending behavior,it also began to increase the financial risk.Now,with the restructuring of rural credit cooperatives,rural commercial banks are more and more,but because the restructuring time is not long,lack of management experience,the complex operating environment is also insufficient,so the financial risk Resulting in a lot of problems,and domestic and foreign major commercial banks there is a big gap.These small-scale rural commercial banks need to learn from the management experience of the banks at home and abroad,improve the management and operation level,strengthen the ability to identify,evaluate,guard against and counter the risks,and establish a perfect risk control system in line with their own.In this paper,CZS rural commercial banks as a case,the use of case analysis methods,combined with domestic and foreign literature,the CZS rural commercial banks to assess and control the financial risk.First of all,it mainly introduces the relevant conceptual system and basic theory of the paper,expounds the theory of financial risk and defines the concept of financial risk.Secondly,the status quo and the causes of the development of the rural commercial banks are analyzed,and then the status of the financial risk is analyzed by the CZS case study,and the reasons for the financial risk are analyzed.Finally,the camel evaluation system is used to evaluate the financial risk of the CZS rural commercial banks in terms of capital adequacy,asset quality,management level,profitability and liquidity risk,and risk the financial risk of the five aspects Control,put forward the relevant preventive measures and opinions.