Study On Financial Risk Management Of Y Commercial Bank

In recent years,the development of economic globalization has promoted the rapid development of various fields,and the financial industry is one of them.China's commercial banks have developed rapidly during this period,the scale of funds and types of business of commercial banks are showing an increasing trend of diversified development.This phenomenon of sound economic development is good,but at the same time we should also see its shadow side,and that is the increasing complexity of financial risk.However,due to the insufficient practical experience of China's commercial banks,financial risk management has exposed various problems in recent years.The research object of this paper,Y Commercial Bank,is a local joint-stock city commercial bank,which is reorganized on the basis of the original city Credit Union.The paper selects Y Commercial Bank as the research object,uses the research method and so on literature method and the quantitative analysis method,in accordance with the identification of risk,risk evaluation,risk control of the financial risk of Commercial Bank Y for a comprehensive and in-depth analysis.First of all,it analyzes the status quo of y Commercial Bank's financial status and management measures,and then analyzes the status quo of Y Commercial Bank's credit risk,capital risk,liquidity risk,profitability risk and market risk,identify the financial risk of y commercial bank,select the financial index scientifically,construct the model of Y Commercial Bank and further analyze the financial risk of y commercial bank.The study found that the financial risk management of y commercial bank has played a certain role in recent years,but credit risk,liquidity risk and other risks are still very large,and there is a tendency to expand year by year,this is reflected in the increase in non-performing loans,insufficient loan reserves,low Capital adequacy ratio compared to the same industry,the rapid growth of accounts receivable investment,High deposit-to-loan ratio,the decline in profitability is obvious and lower than the same industry level,short-term interest rate risk negative gap,and so on.In order to better control and control the financial risk of Y Commercial Bank,based on the evaluation results of Y Commercial Bank,this paper analyzes the risk characteristics of y commercial bank and puts forward the countermeasures of Risk Prevention and control: standardizing the operation flow of credit,perfecting the mechanism of resolving and disposing non-performing loans,raising the awareness of liquidity risk management,perfecting the liquidity management system,perfecting the credit evaluation system,controlling the cost of operation,and preparing for market risk prevention and control.