基于资产管理视角的城市商业银行财务风险评价研究一以H银行为例基于资产管理视角的城市商业银行财务风险评价研究以H银行为例摘要近年来，全球经济环境不确定性增加，贸易摩擦和疫情影响使得宏观经济环境更为复杂。金融市场的频繁波动、货币政策调整和资本流动对银行业的稳定性带来了挑战。随着互联网金融和金融科技的发展，传统银行面临来自新型金融机构的激烈竞争，利率市场化进程的加快也压缩了银行的利差空间，影响其盈利能力。此外，中国政府不断强化金融行业监管，出台了诸如《商业银行资本管理办法（试行）》等政策法规，旨在防范系统性金融风险。同时，巴塞尔协议Ⅲ的实施对银行资本充足率和流动性覆盖率提出了更高要求。H银行作为中国长三角地区的重要银行，服务于经济发展迅速、民营经济活跃的杭州地区，资产规模和业务范围不断扩大，但也面临着财务风险管理的挑战。本文主要探讨了城市商业银行财务风险的识别、评价与管理。通过建立基于资产管理视角的财务风险评价指标体系，论文分析了H银行在流动性风险、资产质量风险、资本充足性风险和盈利性风险方面的情况。通过熵权法计算指标权重，并利用TOPSIS法进行综合评价，论文揭示了H银行在财务风险管理中的不足，如盈利能力不足、资产质量较差、资本充足性较低以及管理成本过高。最后，论文提出了优化资本结构、化解不良资产、提高资本充足性和加强资产质量管理的建议，以提高银行的整体财务健康水平。本文通过对H银行2019-2023年的数据分析，对H商业银行流动性风险、资产质量风险和盈利风险进行了计算和评价。论文指出H银行在盈利能力不足、资产质量较差、资本充足性较低及管理成本过高方面的主要问题，并提出了优化资本结构、化解不良资产、提高资本充足性和加强资产质量管理的改进建议。关键词：资产管理、城市商业银行、财务风险评价基于资产管理视角的城市商业银行财务风险评价研究一以H银行为例A Study on Financial Risk Assessment of Urban CommercialBanks from the Perspective of Asset Management-ACase Study of H Bank.AbstractIn recent years,the uncertainty of the global economic environment hasincreased,and trade frictions and the impact of the pandemic have made themacroeconomic environment more complex.The frequent fluctuations in financialmarkets,monetary policy adjustments,and capital flows pose challenges to thestability of the banking industry.With the development of Internet finance andfinancial technology,traditional banks are facing fierce competition from newfinancial institutions.The acceleration of interest rate marketization has alsocompressed the interest margin space of banks,affecting their profitability.In addition,the Chinese government has continuously strengthened the supervision of thefinancial industry and introduced policies and regulations such as the "CommercialBank Capital Management Measures (Trial)"aimed at preventing systemic financialrisks.At the same time,the implementation of Basel III has put forward higherrequirements for banks'capital adequacy ratios and liquidity coverage ratios.As animportant bank in the Yangtze River Delta region of China,H Bank serves the rapidlydeveloping and active private economy in Hangzhou.Its asset size and business scopecontinue to expand,but it also faces challenges in financial risk management.This article mainly discusses the identification,evaluation,and management offinancial risks in urban commercial banks.By establishing a financial risk evaluationindex system based on asset management perspective,this paper analyzes thesituation of H Bank in terms of liquidity risk,asset quality risk,capital adequacy risk,and profitability risk.By using entropy weight method to calculate indicator weightsand TOPSIS method for comprehensive evaluation,the paper reveals theshortcomings of H Bank in financial risk management,such as insufficientprofitability,poor asset quality,low capital adequacy,and high management costs.Finally,the paper proposes suggestions for optimizing capital structure,resolving基于资产管理视角的城市商业银行财务风险评价研究一以H银行为例non-performing assets,improving capital adequacy,and strengthening asset qualitymanagement to enhance the overall financial health of banks.This article calculates and evaluates the liquidity risk,asset quality risk,andprofit risk of H Commercial Bank through data analysis from 2019 to 2023.The paperpoints out the main problems of H Bank in terms of insufficient profitability,poorasset quality,low capital adequacy,and high management costs,and proposesimprovement suggestions for optimizing capital structure,resolving non-performingassets,improving capital adequacy,and strengthening asset quality management.Keywords:asset management perspective;Hangzhou Bank;financial risk