Research On Financial Risk Evaluation Of SY Rural Commercial Bank Based On Analytic Hierarchy Process

With the deepening of the market economy and the constant changes of the internal and external environment,China's economy has entered a new normal society characterized by "high speed,excellent structure,new power and multiple challenges".In this context,with the acceleration of the RMB internationalization process,the liberalization of interest rate one by one,the relaxation of access conditions for private banks and the interbank layout of Internet finance,a series of important changes have been made.It brings new opportunities and challenges to China's banking industry,especially for rural commercial banks,there is room for development and operational risks remain.In order to adapt to the changing needs of the market economy and cope with the increasingly fierce competition,in the vast gold In order to occupy a place in the financial market,it is necessary to strengthen the overall competitiveness of enterprises,strengthen the ability of risk control and management,and improve their management level.In order to meet the new opportunities and challenges and to achieve sustainable development under the background of the new normal,the agricultural and commercial banks must pay full attention to the prevention,control and management of financial risks.Therefore,in such a market environment,the analysis and evaluation of the financial risks of rural commercial banks has a very important practical significance.Through the evaluation of the financial risk of the rural commercial banks,the paper establishes the evaluation system of the financial risks of the rural commercial banks in accordance with the national conditions of China,in order to promote the continuous development and growth of the rural commercial banks in China.It lays a foundation for the social stability and economic development of our country,at the same time,it also provides theoretical basis for financial risk evaluation..This paper takes SY Rural Commercial Bank as an example,studies the financial risk evaluation of rural commercial banks,analyzes its existing problems,and aims at these questions.Make corresponding countermeasures and suggestions.This paper is divided into six parts: the first part describes the background,significance and domestic and foreign research review,introduces the research content,research methods,innovation and deficiencies,as well as the technical route.The second part is the agricultural commercial bank and the financial risk appraisal related theory summary.This paper introduces the management characteristics and forms of financial risk of agricultural and commercial banks,expounds the concept,types and characteristics of financial risk,and introduces the concept,method and theoretical basis of financial risk evaluation.The third part is the analysis of financial risk evaluation of sy Agricultural Bank.This paper introduces the basic situation of sy agribusiness bank,and summarizes the present financial situation and financial risk evaluation of sy agribusiness bank.And analyze the subjective and objective causes of financial risk of sy Agricultural Bank.The fourth part uses the analytic hierarchy process to construct the financial risk evaluation system and the evaluation analysis of sy agribusiness bank.The conclusion is as follows: the whole financial risk of sy agribusiness bank is higher and the assets condition is general.The fifth part puts forward countermeasures and suggestions for y-agribusiness bank to guard against financial risk.According to the various risks and their causes obtained from the previous evaluation and analysis,this paper puts forward some effective countermeasures and suggestions for avoiding financial risks and promoting the healthy development of sy agribusiness banks.The sixth part is the conclusion.