Financial Risk Management and Countermeasure Research in Commercial Banks: A Case Study of Bank X
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
- Jianwei Ma (ORCID: https://orcid.org/0000-0002-8081-1879)
- Qi Song (ORCID: https://orcid.org/0000-0002-1379-970X)
Publication Details
- Journal
- International Business & Economics Studies
- Published
- 2024-12-25
- DOI
- https://doi.org/10.22158/ibes.v6n6p88
- Primary Topic
- Insurance and Financial Risk Management
- Type
- article
- Field-Weighted Citation Impact
- 0.00