城市商业银行财务风险控制指标体系优化研究——以汉口银行为例工商管理专业论文.docxVIP

Abstract With the development of market economy and deep reform of commercial banks, commercial banks management have moved from the “asset-centric business” and “deposit as the center” to the “financial efficiency”. This requires the bank policy-makers to improve financial efficiency as the goal to coordinate the work of promoting the bank, and other financial management also requires a systematic way which can reflect the banks financial efficiency、operations and management. At present, the commercial banks’ control in financial risk management practice seriously lag behind the needs of the banking. Comprehensive system information can not reflect the banks position which can lead to the presence of a Chinese Commercial Banks financial risk. To a certain extent, this caused the risk of Chinas banks more intensify. In view of the background and causes, this paper takes Wuhan Commercial Bank as an example to research and analyze. To meet the leading position of the central economic promotion and development, Wuhan commercial banks need financial risk control system to respond to a comprehensive bank risk monitoring and reduce the risk effect. Empirical method with commercial banks in China financial risk control system has strong practical significance. This article takes from the commercial presence of financial risk in China, and analyzes the financial risks of Chinese commercial banks. From the research, commercial banks financial risks in China include： Capital risk, asset quality risk, interest rate and exchange rate risk, liquidity risk and legal risk. These risks have their own reasons for existence. Clarifying the reasons for the formation of these risks is the basis of risk prevention. On this basis, the paper establishes financial risk control system of the commercial banks. Firstly, commercial banks in China are analyzed to establish the financial risk control system and the premise of the need to clear the way to establish risk con