Research On Financial Risk Analysis And Control Of B Rural Commercial Bank Based On Camel Evaluation System

With the continuous development of market economy,the uncertainty faced by commercial banks is increasing day by day and various problems arise.The reason is that there are various risks in commercial banks.Financial risk is one of them,financial risk has every link of capital movement,it will affect the uncertainty of operating results and financial situation.The financial risk analysis belongs to the financial risk management,which is used in the whole process of the capital operation of commercial banks.The purpose of the financial risk analysis of commercial banks is to urge the commercial banks to formulate and implement a series of systems,rules and methods to prevent the financial risks in the early stage,the middle period of the control,and the later period supervision.At present,there are many problems in the analysis and prevention of financial risks in commercial banks,such as the unclear methods of financial risk analysis,the imperfect evaluation system of financial risks,and the virtual mechanism of financial risk supervision and prevention.Based on the camel evaluation system,this paper mainly adopts the methods of literature analysis and case analysis,takes the financial risk of B rural commercial banks as the research object,and takes the camel evaluation system and the financial index method as the starting point.Reasonable control and scientific evaluation of financial risk of rural commercial banks are carried out,and through case analysis,the existing problems in financial risk prevention are found out,and the relevant countermeasures and suggestions are put forward.Text The chapter structure is divided into three parts:the first part mainly introduces the research background and significance,research content and method,related concepts and theoretical basis,The literature related to risk analysis and control of rural commercial banks is classified and described.The second part adopts the research method of combining theoretical research and case analysis,applies the relevant theory of camel evaluation system,combines the annual report and audit literature of B rural commercial bank,and deals with the capital adequacy risk of B rural commercial bank.Financial risk in seven aspects:asset quality risk,liquidity risk,profit risk,management risk,growth risk and business innovation risk.Analysis;In the third part,according to the analysis of camel evaluation system,the causes of financial risk of B rural commercial banks are analyzed,and the differentiation countermeasures of specific problems and concrete analysis are put forward.The purpose of this paper is to make B rural commercial banks realize the loopholes of their own financial risk prevention and take targeted and effective countermeasures to prevent their own financial risks,so that B rural commercial banks can get better operation and development.This paper studies the financial risks existing in B rural commercial banks,which is helpful for B rural commercial banks to effectively identify the financial risks and explore the causes of the risks.It is helpful to further prevent the identified financial risks in order to ensure a good financial operation of commercial banks.In this paper,B rural commercial banks and other commercial banks of the same type of financial risk analysis and prevention play a certain practical reference significance.