Research On Financial Risk Management Of Commercial Bank

Commercial banks are financial enterprises with financial assets and liabilities as their main business objects.As an important part of the financial market,commercial banks play an important role in social and economic development and financing.Opportunities are accompanied by risks.At present,the changeable international financial environment,the world economy is faced with stagflation,domestic demand contraction,supply shock,weaker expectations,declining interest rates,the development of Internet finance,the shrinkage of market players to a certain extent,the strengthening of regulatory policies,the fierce competition among banks,the development of technological finance and green finance have brought severe external pressure to Chinese commercial banks.Commercial banks actively respond to the complex situation of economic recovery and industrial competition,give full play to the advantages of the market-oriented system and innovation gene,take the customer as the center,return to the service and business origin,meet the market and customer demand with faster response,higher efficiency and better service,constantly consolidate the customer and product foundation,and achieve steady development.The asset quality risk,liquidity risk and capital adequacy ratio risk of commercial banks also put forward higher requirements for the internal financial control management of commercial banks.It is the key to improve the financial risk management ability and improve the core competitiveness of commercial banks.Therefore,how to perfect our commercial bank financial risk management system,explore the new financial risk management mode,avoid the maximum possible risk,improve the quality of financial risk management in the fierce financial market survival and realize the steady and sustainable development is particularly important.In this paper,MS bank as a study case,the application of literature analysis,case analysis,induction analysis,on the basis of summarizing domestic and foreign related fields of research literature,using the CAMEL model to MS bank financial risk analysis and evaluation,at the same time to find out the problems in the financial risk,and give optimization suggestions and implementation protection.