Research On The Influence Of Capital Structure Of JS Bank On Financial Risk

The supervision of capital is an important aspect of the supervision of commercial Banks.The rationality of capital structure can fully reflect the efficiency of capital supplement of commercial Banks and the ability of Banks to resist risks.In recent years,the management system of China's commercial Banks has been constantly improved and optimized,and the capital structure of the Banks has been greatly adjusted.How does the capital structure of commercial Banks affect the degree of financial risk through what indicators and by what means has become an urgent problem for us to solve.Solving these problems will help to improve and optimize the capital structure of Banks from the perspective of controlling the risk level,so as to further maximize the market value of Banks,enhance their core competitiveness,and gain an advantageous position in the current fierce market competition,so as to promote their long-term stable development.Starting from the capital structure to analyze its impact on the financial risk level of commercial Banks,it is of great practical significance to optimize the internal capital structure of Banks,improve the internal management level and control ability of Banks,and enhance the ability of Banks to resist financial risks.Based on literature research and systematic theoretical analysis,this paper conducts an empirical analysis on the impact of capital structure onfinancial risk of zhuzhou JS bank by building a multiple regression model based on the analysis of capital structure and financial risk status of zhuzhou JS bank and by selecting relevant data of JS bank.Focus on capital structure of the asset-liability ratio and core capital adequacy ratio and non-performing loan ratio respectively three indexes to reflect the financial risk of the financing risk,investment risk,management risk and growth risk at the 95% confidence level if there is a significant positive or negative effect,and use "Z-Score" model to the analysis of the indicators in the capital structure analysis of the total financial risk such as how to influence.Furthermore,according to the empirical analysis results,the author puts forward some Suggestions on how to strictly control the debt capital,widen the financing channels,improve the capital structure,ameliorating the business structure formation,and rising the risk prevention and treatment mechanism.