Research On Financial Risk Management Of J Branch Of ICBC

With the rapid economic growth of our country,the expansion of capital market is also faster and faster,and banks occupy a higher and higher position in our economic system.With the progress of internet,the innovation of financial products is an inevitable trend,which also causes the huge aircraft carrier like our state-owned commercial banks to adjust our profit model.The types of financial services and products of banks are also increasing,and the operation scale of banks is expanding.It is the increasing financial risks of all kinds.and the various financial risks faced by commercial banks are increasing.Although the financial risk of commercial banks has attracted more and more attention,and more and more banks put financial risk in an important position,with the acceleration of financial innovation and the complexity of the external environment,the management of financial risk of commercial banks is becoming more and more difficult.As far as the current level of financial risk management of commercial banks in China is concerned,both experience and ability are far from enough compared with those of western developed countries,which also exposes many problems in financial risk management of commercial banks in China.Industrial and Commercial Bank of China(ICBC),as one of the five major banks in China,has huge financial support,and has its own characteristics and shortcomings in financial risk control.This paper will select J Branch of ICBC to study financial risk management.The purpose of this paper is to discuss the financial risk management of J Branch of ICBC.Firstly,it defines the relevant concepts of financial risk management of commercial banks,and introduces the theory and management methods of financial risk management of commercial banks,lay the theoretical basis for research;secondly,it makes a thorough study and analysis of the current situation of risk management of J Branch of ICBC,and points out the finance it faces.At last,based on the analysis of the current situation and existing problems of the financial risk management of J Branch of ICBC,this paper puts forward the corresponding countermeasures and problems of financial risk control.Suggestions in order to promote ICBC J Branch to effectively deal with financial risks.Draw conclusions through research:(1)The financial risks faced by J Branch of ICBC include capital quality risk,liquidity risk,profitability risk and market risk.(2)By analyzing the current situation of financial risk management of J Branch ofCommercial Bank from the aspects of financial management mode and division of labor,financial management process,construction of financial management personnel and ability to resist risks,it is found that there are low liquidity of assets,unreasonable asset structure,low profitability and high capital risk.Higher non-performing loan rate,higher concentration of loan funds,low cost control ability and other issues,further analysis shows that the capital structure is unreasonable,the scale of debt is too large;the profit model is single,the lack of intermediary business;the credit risk of lending is too high;the internal control system is not perfect;the risk management system is backward and other reasons lead to.The current financial risk management problems faced by J Branch of ICBC.(3)Put forward the countermeasures and suggestions of financial risk control of J Branch of ICBC,from strengthening liquidity management,optimizing capital structure,establishing whole-process loan management system,perfecting financial risk control system and early warning system,vigorously developing intermediary business,increasing business types and ensuring the smooth financial risk management system.Measures to facilitate operation.It is hoped that this study can help the J Branch of ICBC to improve its financial risk management,and provide some references for other commercial banks in improving their financial risk management capabilities.