Research On Financial Risk Assessment Of LYNF Policy Banks

With the slowdown of economic growth and the change of national economic policy,the financial risk of policy banks is facing an increasingly complex situation,and the possibility of financial risk is increasing.Therefore,it is of practical and theoretical significance to build a scientific financial risk evaluation system to evaluate the financial risk of policy banks.Based on the financial fragility theory,principal-agent theory and comprehensive risk management theory,this paper constructs the financial risk evaluation system of policy banks by using the methods of literature,analytic hierarchy process,efficiency coefficient and the combination of qualitative and quantitative methods,and evaluates the financial risk of LYNF bank.Firstly,the paper introduces the background,significance,research status and research methods of the topic,defines the relevant concepts and analyzes the relevant theories;secondly,it constructs the financial risk evaluation system of policy banks and applies it to the financial risk evaluation of LYNF banks;finally,it summarizes the full text and puts forward suggestions on strengthening the financial risk control of policy banks.The financial risk evaluation system of policy banks includes five dimensions and 13 evaluation indexes.Using AHP to determine the index weight,from the standard level,the order of importance of the impact on the financial risk of policy banks from high to low is management risk,asset quality risk,capital adequacy risk,liquidity risk and profitability risk.From the indicator level,the order of importance of the impact on the financial risk of policy banks from high to low is cost income ratio,capital adequacy ratio and core capital adequacy ratio,loan ratio of single largest customer,loan ratio of ten largest customers,current ratio,asset profit ratio and interest recovery ratio,estimated loan loss ratio,provision ratio,deposit loan ratio,provision coverage ratio,non-performing loans Loan rate.The evaluation of financial risk of LYNF bank shows that the financial risk situation of LYNF bank tends to be better.From 2015 to 2017,the financial risk level of LYNF bank was in a poor level,and in 2018 and 2019,the financial risk level of LYNF bank was raised to the level of concern.Through the continuous efforts of LYNF bank,the bank's financial risk tends to be better,but the financial risk is slightly higher than the average level of the bank,which still needs to be focused on.