建设银行财务风险评价研究

发布时间：2018-01-07 04:18

本文关键词：建设银行财务风险评价研究　出处：《黑龙江八一农垦大学》2017年硕士论文　论文类型：学位论文

【摘要】：当今全球金融环境风云变幻,结合现今金融市场的竞争状况,商业银行需全面系统地分析评价其自身的财务风险,对其自身的财务风险进行全面的控制,以便降低风险,减少财务危机发生的可能性。建设银行作为中国的四大国有银行之一,一旦陷入财务困境,将对金融业甚至全国的经济产生重大的影响。这也是将综合评价建设银行财务风险作为论文研究主题的主要原因。首先将建设银行的财务风险进行了分类,分别为:资本质量风险、流动性风险、资本安全性风险、盈利能力风险以及市场风险,并介绍了商业银行财务风险在实证应用中的识别方法以及评价方法,接着分别采用财务报表分析法以及财务指标分析法对建设银行的财务风险进行了简要的分析,在此基础上运用层次分析法,分别从建设银行的资本质量风险、流动性风险、资本安全性风险、盈利能力风险、市场风险等方面,构建了建设银行财务风险的综合评价体系,选取了近五年的数据进行分析,得出建设银行财务风险在2012-2014年间较为平稳,2015年由于不良贷款而升高,2016年有所下降的结论。最后结合研究结果提出了加强建设银行财务风险防范的具体意见,本研究结果在一定程度上可促使企业更好地规避未来可能发生的财务风险。
[Abstract]:In today's global financial environment with the current financial market amidst the winds of change, the competition in comprehensive analysis and evaluation of its own financial risk system to commercial banks, to conduct a comprehensive control of its own financial risk, in order to reduce the risk, reduce the possibility of financial crisis. As the Construction Bank Chinese four of the big state-owned banks, once in financial distress, for the financial industry and even the national economy have a major impact. This is the main reason for comprehensive evaluation of Construction Bank financial risk as the research subject. Firstly, the Construction Bank financial risk classification, respectively: the quality of capital risk, liquidity risk, capital risk, profitability and risk the market risk, and introduces the identification method in the empirical application of financial risk of commercial banks and evaluation methods, and then we use the financial statements Analysis and analysis of financial indicators of financial risk in the Construction Bank method are briefly analyzed, based on AHP, separately from the quality of capital construction bank risk, liquidity risk, capital risk, profitability, risk, market risk and other aspects, to build a comprehensive evaluation of Construction Bank financial risk system, selection of nearly five years of data analysis, the Construction Bank financial risk in the period of 2012-2014 is relatively stable, in 2015 increased because of bad loans, 2016 declined conclusions. Finally the research results put forward to strengthen the construction of bank specific financial risk prevention advice, the results of this study to avoid possible financial risks in the future to a certain extent, can promote the enterprise better.

【学位授予单位】：黑龙江八一农垦大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

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