Financial Risk Evaluation And Control Measures Of Ganzhou Rural Commercial Bank

The current financial environment in the world is changeable,which has a certain impact on China's financial market.Finance reflects the changes of economy,and financial risks are also generated under the economic transformation.Under the background of economic slowdown in the new era,risks of financial system have been triggered.Due to the adjustment of the industrial structure and the reduction of excess capacity brought by the risks,securities risks,market risks have become increasingly prominent.In this complex situation,commercial Banks must comprehensively and systematically evaluate their own situations,so as to understand the financial risks they face and control them comprehensively.Compared with other banking institutions,rural commercial bank faces more severe risks,especially in the context of economic downturn and structural adjustment.At the end of the industrial chain,credit risks are most concentrated and liquidity risks are most obvious.In particular,the property rights reform in some provinces is progressing slowly,accumulating many risks,and rural commercial bank has become the most problematic and risky weak link.Agri-businesses Banks are an important force in China's rural financial system,is also the main force of rural financial development in China,is the basis of root services three rural countryside,along with our country reform of the rural financial system,agricultural financial risk management of commercial bank also put forward higher requirements,but because of agribusiness Banks themselves facing important burden system constraints and limitations,such as service direction makes bank of agribusiness in the actual development when faced with large financial risk.The reform of China's rural commercial Banks in the new era has entered a critical period,facing a complex economic environment and severe internal management situation,the bank must establish a sound financial risk assessment and management system,so as to promote its own healthy development and maintain rural areas.The stability of the market.Taking ganzhou rural commercial bank as an example,this paper explores the financial risks faced by ganzhou rural commercial bank and classifies the financial risks,including liquidity risk,capital quality risk,profit risk,capital security risk and market risk.When studying the risk of commercial rural commercial bank,this paper carries out a comprehensive financial risk evaluation of ganzhou rural commercial bank through factor analysis,so as to reflect the financial risk of ganzhou rural commercial bank from various aspects,and proposes effective control measures according to the evaluation results.Based on the actual research selected the ganzhou agri-businesses bank financial data,combining the actual operating situation of ganzhou agri-businesses Banks,strengthen the ganzhou agricultural commercial bank financial risk,can help to ganzhou agri-businesses bank effectively avoid financial risk,and makes the financial risk prevention day-to-day work,solve the problems of actual operation.