Research On Financial Risk Prevention And Control Of H Rural Commercial Banks

Since entering the new economic normal,financial risks have become the most prominent and significant major risks.Rural commercial banks are an important part of China's banking system,targeting the “three rural”,serving county,serving small and serving communities.After the transformation of the credit cooperatives in the rural commercial banks in 2014,the problems left over from history were outstanding,the management experience was insufficient,and the risk prevention and control system was established late and imperfect.In the increasingly fierce competition in the industry,there is a big gap with other commercial banks.Therefore,it is urgent for the rural commercial banks that have been reformed to establish a sound and effective risk prevention and control system.This article takes H rural commercial bank as a case,combined with relevant literature and basic theoretical guidance,using case analysis method,in-depth analysis of H rural commercial banks existing financial risk prevention and control system and financial risk prevention and control problems.In order to solve the existing problems,this paper uses the camel evaluation system to analyze the financial risks of rural commercial banks from five dimensions: capital adequacy,asset quality,management level,profit level and liquidity level,through capital adequacy ratio and non-performing loan ratio.Specific data analysis such as asset profit rate evaluates the status of financial risk prevention and control of rural commercial banks in H.This paper will use the risk prevention and control system before and after the camel evaluation system to conduct comparative analysis and summarize the experience,so as to provide suggestions for the prevention and control of financial risks of rural commercial banks in H.It is hoped that this will improve the financial risk prevention and control level of rural commercial banks,improve the financial risk prevention and control system,improve the financial service level of rural commercial banks,and provide more efficient,convenient and safer financial services for the majority of farmers and small and micro enterprises.