城市商业银行财务风险管理问题研究

Study on the Financial Risk Management of City Commercial Banks

城市商业银行的财务风险始终贯穿于银行业务的各个环节。本文以目前我国城市商业银行财务风险的三大表现形式(市场风险、信用风险、操作风险)为着手点,以2017年我国27个城市商业银行为样本银行,运用相关风险评估指标对样本银行的三大风险进行评价,分析得出目前我国城市商业银行整体财务风险偏高的结论,具体表现为抗市场风险能力弱、信用风险过于集中、操作风险控制不力,并在此基础上提出了相应的对策与建议。

The financial risk of the city commercial bank always runs through all aspects of the banking business. The article takes the three major forms of financial risks of China＇s city commercial banks： market risk,credit risk and operational risk as the starting point,and takes the 27 city commercial banks in China as a sample bank in 2017 and uses the relevant risk assessment indicators to evaluate the three major risks of the sample banks. Through analysis,this paper concludes that the overall financial risk of China＇s urban commercial banks is high,the specific performance is weak resistance to market risk,excessive concentration of credit risk,and ineffective control of operational risk,and puts forward corresponding countermeasures and recommendations on this basis.