Research On The Evaluation And Control Of Financial Risk Of RZ Bank Based On Camel Rating Syste

In recent years,the assets of city commercial banks have been growing and the market share has been rising year after year,which has injected a strong impetus to the development of financial market.However,with the rapid development of economy and the rapid rise of Internet economy,traditional commercial banks are also facing enormous challenges.Earning profits is very important for the development of commercial banks,but the management of financial risks can not be ignored.RZ Bank is a typical city commercial bank,this paper takes RZ Bank as the research object,firstly,evaluates and analyzes its current financial risk,then based on camel rating system,through the Fuzzy Comprehensive Evaluation method,the analytic hierarchy process constructs the RZ bank financial risk rating system,the paper makes a qualitative and Quantitative analysis analysis of its financial risk management in terms of capital adequacy,asset quality,management level,profitability and liquidity,in view of its existence of the problems related to the feasibility of the proposal and measures.Based on the above framework,this paper evaluates the financial risk of RZ Bank based on camel rating system,and finds that there are some problems in the current financial risk management of RZ Bank,such as internal control management relying too much on human power,and has not established the sound financial risk management system,in the long run will not be conducive to its healthy development.Therefore,RZ Bank needs to pay more attention to financial risk management in its daily operation and improve the level of prevention and control of financial risk.Therefore,this paper puts forward some countermeasures and suggestions for RZ Bank to strengthen financial risk control from the aspects of improving bank capital adequacy,strengthening asset quality risk control,perfecting bank internal control system,improving bank profitability,and strengthening liquidity risk control,it is expected to help RZ Bank improve its financial risk management level,promote the establishment and improvement of its financial risk prevention and control system,and enhance the ability of healthy,sustainable and sound development.At the same time,this study can also provide valuable reference for other city commercial bank financial risk management practice.