摘 要在我国的市场经济持续深入发展的当下，商业银行的经营环境逐渐变得复杂。传统商业银行需要进行经营理念与经营方式的创新才能实现可持续发展，在这一变革过程中要面临的风险通常都难以预料。这些风险将会时时威胁到银行运营的稳定性，甚至还会对我国经济产生更大的影响。财务风险是这些风险中比较关键的一种，而有效地降低财务风险可以维持商业银行经营的安全性、盈利性、流动性三大原则。在此背景之下，分析与防范商业银行的财务风险，可以保障商业银行的稳健运营，维持我国金融行业的稳定发展。本文对中国农业银行昆山陆杨支行存在的财务风险问题进行分析，并就其问题提出了相应的对策与建议。在解决中国农业银行昆山陆杨支行的问题时，要了解中国农业银行财务风险管理的现状，这对于规避财务风险来说十分重要。本文在上述背景下，选取中国农业银行昆山陆杨支行为研究对象，介绍商业银行财务风险的概念、特征与重要性，简述该银行财务风险管理现状，分析该银行财务风险管理方面存在的主要问题，并针对其所发现的财务风险给出相应的对策与建议，以此来降低中国农业银行昆山陆杨支行的财务风险。关键词：农业银行； 财务风险； 风险管理AbstractWith the continuous and in-depth development of market economy in China, the business environment of commercial banks has become increasingly complex. Traditional commercial banks need to innovate their management concepts and methods to achieve sustainable development, and the risks they will face in the process of this change are usually unpredictable. These risks will always threaten the stability of bank operation, and even have a greater impact on China's economy. Financial risk is one of the key risks, and effective reduction of financial risk can maintain the three principles of safety, profitability and liquidity of commercial banks. In this context, the analysis and prevention of financial risks of commercial banks can guarantee the stable operation of commercial banks and maintain the stable development of China's financial industry.This paper analyzes the financial...
