Research On Financial Risk Management Of Jiangsu Bank

With the sustained growth of China's macro-economy and the rapid development of capital market,the banking industry as an important part of China's economic system has also made rapid development.In recent years,with the advancement of technological means and the acceleration of financial innovation,the profit model of commercial banks is gradually adjusted;The financial products and services are increasingly rich and the scale of bank assets is expanding,at the same time,all kinds of financial risk the commercial banks facing is increasing.Although the financial risk of commercial banks has been caught much attention,and financial risk has been put into an important position by the leaders of more and more banks,it is becoming more and more difficult to manage the financial risk of commercial banks because of the acceleration of financial innovation and the complex and changeable external environment.In terms of the current financial risk management ability of China's commercial banks,both management experience and capability are far less than those of western developed countries,which also expose many problems in financial risk management of commercial banks in China.The Bank of Jiangsu is one of the fastest growing urban commercial banks in recent years,which is merged and recombined based on ten city commercial banks in Jiangsu Province.It is a representative of the city commercial bank in Jiangsu province.For the young Bank of Jiangsu,despite some achievements has been achieved in financial risk management,there are still many problems needing to be improved continuously.Due to the development trend and competition environment of banking,how to manage the financial risk,how to train the risk management professionals,how to manage the bank,how to improve the financial risk management system,how to improve the financial risk prevention and control ability,and how to reduce the impact of various uncertain factors on its financial results have become an important subject in the current management process.This article aims to study the management of the financial risks faced by Bank of Jiangsu and analyze its financial risk management.Firstly,it introduces the concepts and theories of financial risk on commercial banks,which lays a theoretical foundation for the follow-up research and analysis.Secondly,it makes an in-depth study and analysis of the current situation of Jiangsu bank's risk management,and points out its problems and causes in the process of management.,Thirdly,considering the financial statements of the Bank of Jiangsu in recent years and the types of major financial risks,it conducts a comprehensive analysis of the bank's financial risk and obtained evaluation results with the use of fuzzy comprehensive evaluation of its financial risk in a new and effective way.Lastly,this paper puts forward some countermeasures and suggestions to improve the financial risk of the Bank of Jiangsu.The author hopes that through the research of this paper,it can help the Bank of Jiangsu to improve the financial risk management,and hope this paper can provide reference for other commercial banks to improve their financial risk management ability.