Research On Financial Risk Evaluation And Countermeasures Of CS Bank Based On Structural Entropy Rights Method

With the acceleration of the process of world economic integration,the deepening of interest rate marketization and the popularization of electronic finance,the impact of international financial and domestic economic environment on traditional banking industry has deepened,and financial risks have also increased,commercial Banks are closely related to economic and social development,are an important part of the financial system,and also play an important role in the stable development of the financial market.However,the sudden outbreak of new coronavirus pneumonia has not only severely impacted the real economy,but also exposed commercial banks to greater risks,and improving their ability to cope with financial risks is becoming an important link in the development of our commercial banks at this stage,how to identify and deal with financial risks is a problem that commercial banks need to solve urgently.To improve the ability of dealing with financial risks,commercial banks need to evaluate and analyze financial risks.This paper chooses CS bank as the object of analysis,on the basis of analyzing the characteristics of CS Bank’s financial risk,using the CAMEL framework of banking risk evaluation for reference,using the financial ratio method to analyze the specific financial risk of CS bank.Then,a CS financial risk evaluation index system covering capital adequacy index,asset quality index,liquidity index,Profitability Index and growth index is constructed,under which 12 evaluation indexes are set,then,the index weight is determined by using the method of structural entropy weight.In addition,six comparative banks are selected to analyze the comparison between CS Bank’s financial index and the average value of the industry in the past five years,and this analysis of the current CS bank financial risk control in the specific problems.Finally,according to the results of the evaluation,it puts forward the countermeasures of CS Bank to control and optimize the financial risk,especially points out that CS bank should focus on strengthening the effective response to asset quality risk,liquidity risk and profitability risk,in order to better address the impact of the epidemic,so as to better overcome the current difficulties and risks on the basis of rapid return to the track of good development.At the same time,it also provides some reference for other commercial banks similar to CS bank in dealing with new crown disease and other unexpected events.