Research On Financial Risk Evaluation And Control Of Z Bank Shenyang Branch

Under the huge context of complicated and ever-changing international financial situation as well as the gradual deepening of domestic macro-control,the process of global economic integration has been accelerating,the potential risks in the financial field have also been increasing,some uncertain and unstable factors have also been constantly increasing,and Chinese commercial banks are facing new opportunities and challenges.At the same time,the ability to effectively evaluate and control the financial risks of commercial banks is of great significance to the future development of commercial banks.The development of the Branch of Z Bank in Shenyang City in recent years ranks in the top five among the small and mediumsized joint-stock banks in Liaoning Province,which is above the middle level.It is certain that there are also some unreasonable problems in the bank.For example,the indicators of asset liquidity are not satisfactory,especially the problem of non-performing loans is more prominent,which seriously restricts its future development.Taking the Branch of Z Bank in Shenyang City as an example,this thesis has studied the evaluations and controls of financial risks among jointstock commercial banks,discussed the problems of Z Bank existing in the evaluations and controls of financial risks among joint-stock commercial banks,and put forward corresponding suggestions.By consulting relevant literature and investigating the relevant financial data of the Branch of Z Bank in Shenyang City,the thesis has obtained a further understanding of the concept,classification and related management methods of financial risks among commercial banks.At the same time,based on the analytic hierarchy process to establish a mathematical evaluation model,this thesis has constructed a judgment matrix and comprehensively scored the financial risk indicator system of the Branch of Z Bank in Shenyang City.Starting from the operation and development indicators of Z Bank,this thesis has applied the relevant theories of financial risk,and analyzed the main problems of Z Bank in the process of its development.It should be said that financial risks are affected by many factors in the current situation of social and economic development,showing a trend of diversified development.Therefore,in the analysis and research on the evaluation and control of financial risk of Z Bank,this thesis has proposed that Z Bank should combine the characteristics of its business development to learn the advanced risk control methods and experiences of domestic and foreign financial institutions,so as to solve the problems of Z Bank,such as the decline of liquidity indicators,the excessive indicator of non-performing loan,the need to adjust the asset structure and so on.In the end,the thesis has put forward suggestions and countermeasures for Z Bank on how to strengthen liquidity management,improve asset quality,optimize asset structure,and further strengthen the management and control of financial risk.