A Study On The Financial Risk Early Warning Of The Listed Commercial Banks

With the accelerated development of economic globalization,China's financial integration and liberalization has deepened greatly,China is preparing for financial restructuring of the listed commercial banks will face more severe market environment,but also increased the probability of listed commercial bank financial risk.The occurrence of the above based on the strengthening of the financial risk of commercial banks in our country,it is urgent to establish financial risk early-warning model fit,the model for the prevention of bank insolvency,strengthen the supervision of the banking supervision departments have great theoretical and practical significance.On the basis of the structure arrangement,first through collating and summarizing the related literature of financial risk early warning and case analysis,this paper expounds the development course and recent situation of the financial risk early warning research at home and abroad,and on this basis explains the background and significance of the financial risk early warning research of the listed commercial banks in our country,for the full text exhibition.The paving is made.The second chapter mainly introduces the basic theories of commercial banks,listed commercial banks,financial risks and financial risk early warning.These theories provide a solid theoretical help for the research and development of the following.The main content of the third chapter is to introduce some basic theories of the efficiency coefficient method.At the same time,the advantages and disadvantages of the financial risk early warning in the use are also briefly expounded.In view of the shortcomings,this paper also improves in the practical application to ensure the accuracy of the enterprise in the use of the analysis method to the maximum extent.Then the index system in the model establishment is set up,and the standard value,weight,police area and the comprehensive evaluation index of the index system are determined.The main content of the fourth chapter is the analysis and Research on the financial status of N bank,and the risk assessment is carried out from four aspects:profitability,business growth,asset quality and solvency,which indicates the importance of establishing the risk early warning system for the bank.Then,according to the specific situation of N bank we design the index system,build a complete early warning system,and calculate the comprehensive analysis coefficient of the bank every year,and find that the bank is in a state of light alarm,which indicates that the bank's financial risk is in good condition.Finally,the risk prevention measures are formulated for N bank,and the shortage of its growth capability index is strengthened.The risk management and control should be strengthened from the regulatory agencies,internal control management,the strengthening of employees' moral risk and operation risk management.The fifth chapter is a summary of the whole article,pointing out the shortcomings in the research process.In this paper,in combination with the current social hot issues in the financial industry at the same time,the efficacy coefficient method to establish the finance risk early warning model for N bank,overcomes the enterprise financial risk early warning of existence of subjectivity in selecting the indexes,but also makes the financial risk early warning system more user-friendly,easy to operate,provide a scientific basis for the N bank the financial management activities.