Research On The Evaluation And Management Of Financial Risk Of J Bank Under The New Normal

The economic globalization bringing the financial globalization,the new normal economy bringing a new financial norm,the new economic era bringing the new financial era,with the new concept of innovation,harmonious,green,open and sharing,in the process of insisting on advancing the supply side structural reform,our country banking industry ushered in a new period of the transformation of development.With the release of market access,urban commercial Banks and other emerging financial institutions have been developing in full swing in recent years,and new financial risks have emerged.As the city commercial bank,J bank is the third echelon of the banking industry,which is an indispensable part of the financial market,also is crucial for the development of small and medium-sized enterprises and local economy.Preventing and resolving financial risks is the top priority of national security issues,and the prevention and management of financial risks is the most important part of preventing and resolving financial risks.Therefore,the evaluation and management of the financial risk of J bank has some research and application value.This dissertation takes the new normal as the background,uses J Bank as the specific case for analysis and dissection,and combines literature review method,comparative analysis method,field investigation method and other research methods to study the financial risk.Based on major theoretical studies,the dissertation first establish a financial risk evaluation index system,and then combine J bank's specific financial data for quantitative analysis by comparing J Bank with the data of five city commercial banks that has listed in Shanghai.By drawing lessons from its successful financial risk management experience,it puts forward proposals for strengthening financial risk management from the aspects of development way,credit business,internal control,financial accounting and compliance operation.This dissertation is divided into six chapters in the structure: the first chapter is the introduction;the second chapter is the summary of the economical new normal and financial risktheory;the third chapter is the challenge and financial risk of J bank under the new normal;the fourth chapter is the financial risk analysis and evaluation of J Bank;the fifth chapter is the strengthening of J Bank's financial risk management recommendations;the last Chapter is the conclusion and outlook.Based on the foregoing analysis,we conclude that: Firstly,the development of the banking industry is closely related to the country's macroeconomic conditions.Changes in the macroeconomic environment will have a huge impact on the banking industry.Secondly,under the influence of the new economic normal,the financial problems faced by J Bank cannot be ignored.Therefore,strengthening financial risk management is imperative.Thirdly,Bank J should accelerate the transformation and development,define the market positioning,realize differentiated competition,improve the internal control system and risk management system,and adapt itself to the development of the times to be based on the financial market.