Research On China Merchants Bank Financial Risk Evaluation System

With the advent of the post-interest interest era,the flourishing of Internet finance,the Fed's multiple interest rate hikes,and the increasing size of China's economy,the world's financial landscape has become more complex and changeable.As an important force in China's financial industry,commercial banks are more flexible and controllable than state-owned banks and policy banks.However,they also face many challenges such as liquidity,profitability,and security.As the leader in joint-stock banks,China Merchants Bank has taken active preventive measures to prevent and correct various financial risks.However,the complexity of the macro and industrial environment and excessive reliance on existing financial indicators have prompted the frequent outbreak of financial risks of commercial banks.This article is divided into four parts to analyze and research China Merchants Bank's financial risk evaluation system.First of all,by referring to the literature of relevant theoretical research,we have conducted a comprehensive review of the existing research status at home and abroad,analyzed the advantages and disadvantages,and selected the most appropriate analysis method;secondly,we analyzed the current status of China Merchants Bank's existing financial risk assessment system.From the three aspects of structural flow,staffing,and basic work to explain the existing financial evaluation system,the main problems lie in the excessive dependence on part of the loans,individual subjective judgments,and financial indicators;then the causes of the problems are analyzed,including The lack of a culture of financial risk management,the impact of irrational operational risks,and the difficulty of comprehensive evaluation of risks.Third,from the perspective of the nine major risk management aspects of China Merchants Bank's financial statements,combining quantitative and qualitative methods,multiple aspects,multiple structures,and multiple levels To construct new financial and non-financial indicators evaluation systems,as well as comprehensive evaluation indicators of both,and use fuzzy comprehensive evaluation method to re-evaluate the comprehensive evaluation indicators,focusing on the prevention of financial risks from non-financial indicators;and finally based on the completed synthesis.Risk assessment system,conducted Inter-application analysis shows the applicability of the constructed indicators,elaborated the entire application process,the results of the analysis of the original application and the evaluation results contrast,the application is recommended for the entire financial risk evaluation system.