The Research On Financial Risk And Control Of PA Commercial Bank

At the National Financial Work Conference,chairman Xi delivered an important speech which emphasizing service the entity economy,the prevention and control of financial risks,and deepen financial reform,promote the healthy development of economic and financial cycle.With the changes of situations in domestic and abroad financial industry,the reform and innovation of China's commercial banks have been pushed forward.At the same time,the National 13th Five-year Plan also puts forward a new challenge to them.Not only require banks to continue to improve economic efficiency,constantly strengthen the capital strength,more in need of a sound financial risk management system,to improve the level of bank's financial risk control.In this thesis,the research object PA commercial bank,which is a medium-sized joint-stock commercial bank is in its rapid development standing out of the others in recent years.Comparing with the four biggest state-owned bank,the scale of PA is relatively limited,and its business features prominent,has already begun to implement the strategy of transformation comprehensively.So it is very essencial and urgent to study how to improve the PA commercial bank's financial risk control.Based on PA commercial bank as an example,through reading and summarizing literatures,first of all,the research results of domestic and foreign scholars in the commercial bank financial risk control are summarized and reviewed in this thesis.And then elaborated this article involves the related concepts and theoretical basis,and then combined with PA management present situation and characteristics of commercial banks' risk for capital risk,risk of asset quality,profitability,liquidity risk,and the present situation of the comprehensive risk control system.Using qualitative analysis and financial ratio analysis and quantitative analysis on the PA commercial bank financial risk and control status quo are analyzed and evaluated.Thirdly,based on the current situation evaluation,the following problems are preliminarily summarized:profitability and liquidity are falling,capital adequacy ratio is low and non-performing loan ratio is high,comprehensive risk control is lack of perfection.Finally,based on the influence factors of these problems to find the reason:the influence of the macro environment is the external factor,unreasonable capital structure is the internal factor,comprehensive financial and the internet finance brought about by the financial asset quality risk,risk management,internal environment is not mmature,and put forward corresponding accelerate the transformation of strategy implementation,optimize capital structure,strengthening the comprehensive financial and internet financial risk control,and create a good environment for internal risk control measures.