Study On Financial Risk Assessment And Control In ZH Subbranch Of Agricultural Bank Of China

Nowadays the global economy is recovering slowly,the growth of the major economies and the monetary policy have made a great difference.In addition,international financial markets and commodity prices have experienced an intensified situation.The domestic economy is in a critical period because of structural adjustment and industry transformation.The instability of the financial system is increasing,which brings a lot of business challenges to the commercial banks.In recent years,Chinese Banking Regulatory Commission has issued some important normative guidelines,such as<Banking Financial Institutions Performance Evaluation Supervision Guidelines>and<Guidance on Comprehensive Risk Management of Banking Financial Institutions>,that means the position of financial risk management in the structure of bank management is increasing day by day.In such a situation,the way that simply relying on deposit and loans to obtain profits could not satisfy diversified needs of the development of the major banks.Scientific and reasonable bank financial risk evaluation and control could improve the bank's operating performance level.And this analysis could provide important reference for the long-term stable development of the bankBased on the financial data and risk management framework of ZH subbranch of Agricultural Bank of China from 2009 to 2016,this paper studies the financial risk management status and the various financial risks of it.Besides,data analysis and factor analysis are used to evaluate the financial risks of ZH subbranch.This paper proposes a solution to the problems existing in the financial risk management of this subbranch from the perspective of risk control.First,the paper introduces the domestic and foreign research on this issue,such as the theoretical basis and some important documents,including the concept and characteristics of financial risk management.Secondly,it analyzes the major content of financial risk and the current situation of financial risk management in ZH subbranch of Agricultural Bank of China.On the basis of analysis above,the financial risk evaluation system of the subbranch is constructed according to the corresponding principles and factor analysis is used to evaluate it comprehensively.The key factors that influence the financial risk of the ZH subbranch are the operational risk and capital management level.Finally,this paper puts forward some suggestions on the problems existing in the financial risk management of the ZH subbranch,which has great practical significance for its daily operation activities.