Research On Financial Risk Control Of S Commercial Bank

With the development of the times,the change of interest rate has become the market,the traditional business of the commercial bank's profit impact is becoming more and more obvious,all commercial banks increasingly fierce competition,the industry competition ability of commercial banks to seek new profit mode and balance the high income and financial risk are put forward higher requirements.How the commercial banks in facing the dual pressures of external supervision and internal threats,establish scientific financial risk control system to strengthen financial risk control has become the key factor in the competition winning talent shows itself.As a representative bank,the commercial banks of S have developed rapidly in recent years,and the pattern of profit has been innovating constantly.The demand for financial risk control has also been deepened.Therefore,the research on the financial risk control of S commercial banks not only meets the needs of the current fierce competition environment,but also provides experience for other commercial banks of the same type.Based on this,this paper mainly studies the S commercial bank's financial risk,the first of its operating conditions are analyzed from the composition of the main business and credit rating,according to the current understanding of the situation of the management,to identify financial risks,then from five aspects to carry on the concrete analysis and control the financial risk status,including internal control risk,asset quality risk,capital risk,liquidity risk and profit risk,this paper further analyzes the S commercial bank financial risk control problems,there are four problems,namely,internal control is not enough to face the current development situation,credit risk management and business the quality of the demand,capital structure adjustment to deal with the supervision and inspection for the purpose of liquidity risk management to carry out the work of depth is not enough In view of these problems,this paper expounds the reasons for its existence.In order to make the financial risk level of commercial bank S to a minimum,in order to achieve the maximum profit,the control for the S commercial bank's financial risk by using the balance theory and the comprehensive risk management theory,put forward some recommendations to reduce the risk: first,optimize the internal control system,by means of improving the internal control process of grid system scientific management;second,improve the risk management information system,to further improve the risk prevention framework;third,optimize the capital structure,expand the total internal and external sources capital;fourth,the control of liquidity risk,and constantly improve the liquidity evaluation system.Finally,in order to ensure the implementation of the optimization strategy,this paper puts forward three aspects of security measures,and summarizes the results of this research,in order to help S commercial banks to better control the financial risk.