Research On The Financial Risk Management Of Changchun Center Branch Of Agricultural Bank Of China

With the continuous and in-depth development of the market economy in our country,the commercial banking operating environment is becoming more and more complex,the acceleration of the profit model,the inter-bank competition is becoming increasingly fierce,and the traditional commercial bank must innovate the management concept and operation method to achieve sustainable development.Through the development of new single asset or liability products or portfolio products,expanding new channel business,planning a reasonable and effective capital structure in the bank,and then exploring more room for development.However,in this process,traditional commercial banks are bound to face more and more unpredictable and control risks.These risks will always threaten the stable operation of banks,and even in times of seriousness,they will even have a greater impact on the entire financial industry and even the economy of the entire society.The impact.Financial risk is one of the more critical risks faced by commercial banks.Effectively reducing financial risks is an important guarantee for maintaining the safety,profitability,and liquidity of commercial banks.Under this background,how to identify and resolve the financial risks faced by commercial banks is of great significance for ensuring the stable operation of commercial banks and maintaining the stable development of China's financial market and the main economy.At present,research on financial risk management issues at home and abroad mainly focuses on the entire banking industry or a commercial bank.Few scholars are concerned about the financial risk status of grassroots sub-branches.Based on the above background,this article selects a very representative representative of Changchun central bank of the Agricultural Bank of China,briefly describes the financial risk management status of the sub-branch,and analyzes the main problems and causes of the financial risk management of the sub-branch,and proposes it in a targeted manner.Financial risk prevention and countermeasures suitable for branch development.This article is divided into four parts.First of all,starting from the status of the operating environment of traditional commercial banks in China,we clarified in detail the important practical significance of conducting financial risk management studies for commercial banks,and conducted theoretical basis,research methods,research contents,and literature review of commercial bank financial risk management.Secondly,this article starts with the basic situation of the central branch's financial risk management,introduces the existing financial risk management system of the branch,and analyzes the current financial risk management status of the sub-branch through the data of the central branch's financial statements for the past three years.Again,this article uses the data of the central branch's financial statements,selects 16 financial indicators,and divides the indicators into five risk factors: liquidity,asset quality,profitability,capital adequacy ratio,and risk management level,and based on the financial risks to the branches.The degree of management impact was given to each indicator with different weights,and a model for evaluation of financial risk management of the central branch was constructed.At the same time,this paper collected data of financial reports released by nine listed commercial banks in 2016,calculated the scores of various financial risk factors of the central branch and various listed commercial banks,and compared the financial risk management status of the central branch through the comparison of the two,and searched the financial risks of the branches.Management problems and analyze the causes of the problem.Finally,this article addresses four issues related to the financial risk management of the Changchun central bank of the Agricultural Bank of China,including improving the internal control and early warning system for financial risks,improving the capital structure and risk prevention capabilities,strengthening the risk management personnel team,and enriching business types to improve profitability.The central branch proposed countermeasures for improving financial risk management.In summary,in the conclusion part,this article summarizes the previous research results,summarizes the main research methods and theoretical basis of this article,and describes the existing financial risk management issues of Changchun central bank of the Agricultural Bank of China,and presents it in a targeted manner.Corresponding suggestions,at the same time,hope that this article can provide some reference for other scholars in the future academic research process.