Financial Risk Management and Countermeasure Research in Commercial Banks: A Case Study of Bank X
Year: 2024
Type: article
Abstract: In the context of global economic integration and rapid progress of financial technology, commercial banks are facing unprecedented financial risk challenges. Taking Bank X as the research object, this paper analyzes in depth the causes of its financial risks and proposes corresponding management countermeasures. Using a combination of quantitative analysis and case studies, the paper identifies risks and proposes solutions by comparing the key financial indicators of Bank X with the industry average. It is found that Bank X has significant risks in terms of capital structure, liquidity, profitability and management operations, which mainly stem from factors such as intensified market competition, irrational asset-liability structure and inadequate internal control. The unique value of this paper is that it provides targeted risk management strategies for regional city commercial banks.
Authors: Qi Song, Jianwei Ma
Institution: Lanzhou University of Technology
Language: English
Subfield: Finance
Domain: Social Sciences
Open Access status: diamond
OpenAlex ID: W4405747478