Risk Analysis And Prevention And Control Based On The Capital Business Of SL Rural Commercial Bank

In recent years,commercial banks' treasury business has been favored by commercial banks for its advantages such as less economic capital occupation and relatively low risk.At the same time,commercial banks are also seeking new profit growth points through treasury business.The treasury business of rural commercial banks has also been developing in recent years.While paying attention to business development and operation,rural commercial banks must also focus on risk analysis,prevention and control.At the end of 2018,the scale of SL rural commercial bank's capital business accounted for 20.59% of total assets.The capital business is a powerful supplement to profitability on the basis of ensuring the bank's liquidity management.Under this background,this paper takes SL rural commercial bank's capital business as the research object,and identifies and analyzes its risks from the perspective of the bank's capital business.This paper first introduces the actual status of SL rural commercial bank's capital business in terms of the department and scale,system construction,and business process.Then,through the first-hand data such as SL rural commercial bank's business status table,capital business schedule,transaction counterparty details and employee status,the paper lists the credit risk,market risk,operational risk and liquidity risk that may exist in specific types or operations of the capital business.This paper distinguishes market risk as a non-dispersible system risk from other risks,and quantifies the market risk.For different types of risks,the paper points out possible impacts and analyze problems in risk prevention and control,such as unreasonable credit management in credit risk,lack of stop-loss and stop-loss clauses in market risk,emergency drills in operational risk and the larger liquidity gap at a particular time in liquidity risk.Finally,on the basis of the identification and analysis of the risks of the capital business,we put forward practical prevention and control suggestions for the prevention and control deficiencies of different types of risks.Based on the reality of SL rural commercial bank's capital business,this paper combs and analyzes its credit risk,market risk,operational risk and liquidity risk from the perspective of the bank rather than the external level,and proposes some suggestions of the credit management and rating system,market risk terms and quantification,personnel construction and emergency drills,matching of assets and liabilities at special times,and stress testing.This paper hopes to explore the effective and practical methods of risk prevention and control of SL rural commercial bank's capital business risk,so as to provide guarantee for the healthy and sustainable development of capital business.At the same time,the author also hopes that the research in this paper can provide some reference and help to other rural commercial banks of similar scale in dealing with capital business risks.