Study On Financial Risk Assessment Of QS Commercial Bank

Financial risk is an objective phenomenon in economic activities,and has received widespread attention in both theoretical and practical fields.With the development of society,the financial risk is more and more complicated.For every company and operator in the market economy,the financial risk is objective.As a pillar industry in China's financial industry,commercial banks play a decisive role in the development of China's financial industry.However,due to the characteristics of commercial banks and the increasingly fierce market competition,some commercial banks are threatened by the financial risk crisis.Therefore,studying the financial risk of commercial banks has very far-reaching significance.This article will take QS commercial bank as the research object,the purpose is to build the financial risk assessment system with the bank's own characteristics.And then evaluate the status of its financial risk,put forward suggestions on implementing the financial risk assessment system,improve the financial risk management mechanism,and protect the interests of stakeholders from infringement.First of all,this paper analyzes the financial status of QS commercial bank,the influencing factors of financial risk and the status quo of financial risk assessment system in order to analyze the status quo of QS commercial bank's financial risk management and lay a solid foundation for the establishment of financial risk assessment system;Secondly,the financial indexes and non-financial indexes in the financial risk assessment indexes are selected through the research of related literatures,industry standards and questionnaire survey method,and the financial risk assessment indexes are amended through the high-end interview;Thirdly,using the principal component analysis method,it finishes the refinement and integration of the financial risk assessment indexes of 8 aspects and 27 indicators,and analytic hierarchy process(AHP)is used to attach the indicators to each level,through fuzzy comprehensive assessment method to establish a model to output QS commercial bank financial risk assessment score,establish a complete financial risk assessment system;Finally,this paper concludes that the financial risk assessment score of QS commercial bank is in the range of "normal" to "good",and the result of this assessment is analyzed hierarchically,but also proposed the implementation of the financial risk assessment system from the four aspects of planning the strategic blueprint of financial risk control,perfecting the control mechanism of financial risk management,improving the technology and system assurance of financial risk control and improving the level of human resources management,with a view to help QS commercial bank to provide financial risk management,but also provide reference for other commercial banks in the same industry.