Research On Financial Risks Early Warning Of Y Rural Commercial Bank

With the development of economic globalization,the economic interconnectedness of all countries in the world has been increasingly strengthened.At the same time,the interdependence of the world's financial markets has become increasingly obvious.Local financial market turmoil will exert a great impact on the financial markets of other countries.In 2008,the U.S.sub-prime mortgage crisis,which was a global sensation,brought devastating consequences to the U.S.financial industry and spread to the global market economy.Therefore,the intensity of a country's financial risk control is of great significance to the entire real economy.As an indispensable part of financial institutions,the soundness of risks of commercial Banks is related to the financial and economic development of a country,which plays an irreplaceable role in supporting the healthy development of enterprises and promoting the steady progress of national economy.Therefore,we should ensure the operational safety of commercial Banks' funds,establish a financial risk warning system suitable for commercial Banks,and then comprehensively monitor the potential financial risks in the development of Banks through the warning system.In this paper,the author will take the Y rural bank as a case,the bank's financial risk involved in all aspects of analysis,including the type of financial risk,financial risk sources,etc.,thus construct Y rural bank financial risk evaluation index,through the detailed analysis of indicators,so as to construct is to match the our country commercial bank's financial risk early warning system.Industrial and commercial bank is the relatively stable development in our country commercial bank,in the article notes will adopt comparative analysis method,the Y rural bank data in nearly three years(2015-2017)than the same period of industrial and commercial bank of financial data,through the analysis to find the gap between both in terms of financial indicators suggesting that Y rural bank shortcomings on the selecting of the main indicators of risk.Then,the financial risk level of Y rural commercial bank was reflected through the specific quantified score value,and then specific risk prevention Suggestions wereproposed for the risk points found in the analysis process,in the hope of achieving the goal of financial risk warning,so as to improve the competition level of Y rural commercial bank.