Abstract
Research on Evaluation and
Improvement of Financial
Risk Management of Minsheng Bank Based on Entropy
Weighting Method
Business Administration
Graduate Wu Lin
Instructor Lin Min
Abstract Financial risk management includes all links between capital flows of
commercial banks, that is, it involves all major business segments of commercial banks
and runs through all processes and links of commercial bank management. As a risk that
commercial banks must face in their operation and management, financial risk can not
be completely avoided in their operation process. From the perspective of risk
management theory, financial risk management is the top priority of commercial bank
operation management. Hitherto unknown, novel coronavirus pneumonia is a complex
and volatile global financial market. The new situation has higher and higher
requirements for financial risk management of commercial banks. Good financial risk
management of commercial banks is of great significance not only to the good and
sustainable development of commercial banks themselves, but also to the stable
development of social financial system. In 2001, China Minsheng Bank ranked first in
the comprehensive development capacity and fifth in 2020. Minsheng Bank has been
constantly involved in the turmoil in the financial circle. The establishment of Minsheng
Bank and its rapid development process are of great significance to the development of
China's banking industry.
This paper starts with sorting out the research status at home and abroad, and
comprehensively selects ten indicators to evaluate the financial risk management ability
of banks according to the core indicators of risk supervision of commercial banks and
the risk rating system of joint-stock commercial banks. The ten indicators mainly
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四川师范大学硕士学位论文
evaluate the capital liquidity, asset quality, profitability, management level and capital
risk of commercial banks. Select the index data of six banks, namely bank of China,
China Construction Bank, Ping An Bank, Minsheng Bank, Guiyang bank and Bank of
Ningbo in recent three years, use the entropy weighting method to construct the
evaluation index model, obtain the weight of each index data, calculate the total risk
value of the six banks, and then compare and evaluate the financial risk management of
Minsheng Bank. Through the research, it is concluded that the total financial risk of
Minsheng Bank is the highest, among which the risk value of liquidity and management
level of Minsheng Bank is the highest among the six banks, and the profit risk and
capital risk rank second.
The main problems existing in the financial risk management of Minsheng Bank
are: weak supervision of loan approval, poor expansion of intermediary business,
insufficient guarantee of liquid assets and poor control of operating costs. Through
in-depth analysis of the causes of the problems, this paper puts forward improvement
suggestions: first, consolidate the responsibility of financial risk prevention and control;
Second, strengthen training management and improve employees' professional quality;
Third, accelerate the disposal of non-performing assets; Fourth, accelerate the
transformation of asset business, create innovative products and improve profitability;
Fifth, improve the capital adequacy ratio and the ability of banks to resist risks.
Keywords： Minsheng Bank,Financial Risk,Management,Entropy Weighting
Method
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目次
目 次
摘要.................................................................I
Abstract ..........................................................III
目 次
1绪论 ...............................................................1
1.1研究的背景及意义..............................................1
1.1.1研究背景 ................................................1
1.1.2研究意义 ................................................1
1.2研究目的及内容................................................2
1.2.1研究目的 ................................................2
1.2.2研究内容 ................................................2
1.3国内外研究现状................................................2
1.3.1国内研究综述 ............................................3
1.3.2国外研究综述 ............................................4
1.3.3国内外研究评价 ..........................................4
1.4商业银行财务管理相关理论基础..................................5
1.4.1财务风险管理理论 ........................................5
1.4.2资产管理理论 ............................................5
1.4.3负债管理理论 ............................................6
1.4.4全面风险管理理论 ........................................6
1.4.5熵值赋权法原理 ..........................................7
1.5研究方法及框架................................................7
1.5.1研究方法 ................................................7
1.5.2实施方案 ................................................8
1.6创新及不足...................................................10
1.6.1创新点 .................................................10
1.6.2不足之处 ...............................................10
2民生银行概况及财务状况分析 ........................................11
2.1民生银行概况.................................................11
2.2民生银行财务状况分析.........................................12
2.2.1资产负债、损益情况 .....................................12
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