Financial risk management of commercial Banks

今天给大家带来一篇优秀的论文 ，供大家参考学习，这篇论文讨论了商业银行的财务风险管理。商业银行财务风险指的是银行的财务活动，包括资金的环节，受市场经济客观存在的因素影响，整体的财务状况的波动性较大，并且难以把控，具有非常明显的不确定性。虽然大部分商业银行都建立起了会计内部控制制度，然而制度的灵动性不足，财务风险的管理控制能力较弱，导致风险管理工作与内部控制制度脱轨，风险管理工作过于分散，管理效果不理想。一起来看看吧 有论文需要帮忙的亲亲可以联系我们的专属客服 Even100100进行咨询喔~ 

Along with the development of market economy in our country, under the condition of market economy effect of high pressure, the commercial bank financial risk management is facing more serious risk problem, economic benefit and social benefit of commercial Banks adverse impact, has become the commercial bank risk management experience of management should not be ignored. In this essay, the cause of our country commercial bank financial risk has carried on the brief summary and analysis, and puts forward some Suggestions, in order to promote the progress of our country commercial bank financial risk management.

China is in a period of rapid development of market economy. The progress of business is very obvious. In general, the financial risks of commercial Banks mainly includes content such as liquidity risk, exchange rate risk, capital risk, permeate into each link of the process of operation, management and control of the difficult and relatively old management system, and meets the requirement of the current application. In view of this, it is necessary to clarify the causes of financial risks of commercial Banks, and then take effective management measures to improve the management level and service quality of China's commercial Banks.

Based on the professional theories of management, the commercial bank financial risk refers to the Banks in the financial activities, including deposit money, money lending, cash flow, influenced by the factors of market economy objective existence, the overall financial health of volatile, and difficult to control, has very obvious uncertainty, lead to the economic benefits of commercial Banks has suffered damage, including the embodiment of the financial statements is the most intuitive. Commercial bank financial risk management is through the method combining the economic means with administrative means, relying on the perfect financial risk management system, on the liquidity risk and capital risk control and manage the pertinence, in order to reduce the effects of the financial risks of commercial Banks. Along with the progress of market economy, the capital flow has on the market is more and more big, the form of either cash or bank transfer, coupled with the growing of financial markets, commercial Banks generally keen to financial products business, such as bonds, etc. Therefore, the payment risk of debt business and the payment risk of deposits will be the main risk form of financial management of China's major commercial Banks in the future.

Operation, management and protection is the main function of commercial Banks in China, but only the big four state-owned commercial Banks in China's case, generally there is a total debt financing is high, the property right proportion too scattered, capital shortage and poor liquidity problems, lead to the generation of financial risk. Capital is the bank to deal with all kinds of possible risk important line of defense, when the risk of a major, have enough money to defend, helps to guarantee the basic interests of the bank itself and the users. However, once the capital structure is unbalanced, the capital held by Banks will be seriously insufficient, the capital adequacy ratio will be sharply reduced, and the risk response ability will be greatly weakened. In this case, Banks need to borrow money to cope with risks, however, higher interest rates, and reimbursement of deadlines, if a bank is unable to pay off the debt within the stipulated time, the financial crisis will occur and affect the normal experience activities.

Generally speaking, the accounting internal control system mainly includes three systems, namely, accounting internal control system, capital internal control system and credit business internal control system. At present, most of the commercial Banks of our country to establish the accounting internal control system, system lack of flexibility, however, the management of financial risk control ability is weak, at the same time, the accounting personnel of commercial Banks is not in the operating environment of the full market investigation and analysis on the basis of accounting internal control system is optimized, to improve its basic functions, lead to derailment risk management and internal control system, risk management is too scattered, management effect is not ideal. The three systems are not integrated and utilized, separated from each other and run their own affairs. The working efficiency of such links as fund raising, use and management is relatively low, which damages the economic benefits of commercial Banks.

One of the main business activities of China's commercial Banks is credit lending, that is, lending funds to individuals or enterprises in need of funds, and stipulating the interest and repayment period. However, due to various reasons, some individuals or enterprises that borrow money fail to repay their loans on time, which is the risk of loan. It is easy to hold the bank's funds firmly and form a capital crisis. There is a widespread reputation at present, our country is low, delay reimbursement deadline individuals or businesses, the disadvantages of evasion of bank debts are widespread, lead to commercial bank money collecting is difficult, non-performing assets ratio is too high, reduces the security of bank funds, lead to circulation of funds, financial risk is more prominent.

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