Research On Financial Risk Evaluation And Control Of Shengjing Bank Based On Analytic Hierarchy Process

As the core of the financial industry and the strong driving force for China's economic development,the banking industry is increasingly occupying an important and irreplaceable role in our economy.Due to the economic downturn of enterprises,cases of inability to repay bank loans occurred in succession,leading banks to face huge losses of property.The Shengjing Bank is one of the representative city commercial banks in China.In this context,this thesis takes Shengjing bank as an example,constructs a complete and effective financial risk evaluation system based on analytic hierarchy process,and studies the financial risk evaluation system of Shengjing bank,and finds out the shortcomings,and puts forward some suggestions for improvement.The study of the dissertation not only helps improve Shengjing Bank's financial risk control ability,but also avoids the financial risk caused by the enterprise's economic problems again.It also plays a reference role in the construction of the banking financial risk evaluation system.The thesis used literature research methods,questionnaires and other research methods.The thesis first introduced the related theories of commercial bank financial risk,commercial bank financial risk content and risk control.Secondly,we introduced the basic profile and financial risk status of Shengjing Bank,and analyzed the financial risk characteristics of the company from the aspects of liquidity adequacy,asset safety,profitability and income quality,and capital adequacy,and issued the asset security.The profitability and capital adequacy have decreased.As a whole,the bank's financial risk has risen and it is necessary to take steps to strengthen and improve financial risk control.Again,this thesis constructed the risk assessment system of Shengjing Bank,and used the analytic hierarchy process to determine the weight of the financial risk evaluation index.At the same time,it selected the evaluation indicators of the same industry company as the analysis sample,and calculated the score of the evaluation index using the efficiency coefficient method,and then the company's financial risk was evaluated comprehensively and the evaluation result was obtained: In 2016,the financial risk evaluation score of Shengjing Bank was 64.43 points,the evaluation type was medium,and the evaluation level was C.The company's financial risk was bad,and must strengthen the control of financial risk.Finally,combining the problems of poor profitability and low capital adequacy found in the analysis and evaluation,the thesis proposes countermeasures to reduce financial risks,including: Optimizing the asset structure and reasonably controlling liquidity,optimizing asset allocation and enhancing assets.Improve quality,reduce operating costs,increase bank profitability,strengthen capital replenishment and increase capital adequacy,construct early-warning mechanisms for financial risks,strengthen corporate culture,and strengthen awareness of corporate risk prevention.