目录本科毕业论文（设计）原创性及知识产权声明.......................................................0中文摘要及关键词......................................................................................................1英文摘要及关键词......................................................................................................2一、商业银行财务风险的相关理论..........................................................................3（一）商业银行面临的财务风险........................................................................3（二）商业银行财务风险的特征........................................................................5二、商业银行财务风险的成因..................................................................................7（一）客观原因...................................................................................................7（二）主观原因...................................................................................................7三、农业银行财务风险及其防范的案例分析.........................................................10（一）案例背景.................................................................................................10（二）农业银行财务风险管理的现状..............................................................10（三）农业银行财务风险的防范措施..............................................................14四、完善商业银行财务风险的防范对策.................................................................17（一）持续优化流动性风险管理，坚守风险底线..........................................17（二）加强银行内部资金管理.........................................................................17（三）扎实推进风险管控，资产质量保持稳定..............................................17（四）实施“三线一网格”管理体系，强化操作风险管理..........................18参考文献....................................................................................................................20致谢............................................................................................................................21摘要近几年，我国商业银行面临的财务风险越来越高，如何有效地控制财务风险并降低财务风险给商业银行带来的损失，成为商业银行目前急需解决的问题。文章在商业银行财务风险的相关理论基础之上，结合农业银行的实际经营情况，从流动性风险、盈利性风险、资本结构风险和资产质量风险四个方面进行分析，提出农业银行财务风险的防范措施，并完善持续优化流动性风险管理，坚守风险底线、加强银行内部资金管理、扎实推进风险管控，资产质量保持稳定、实施“三线一网格”管理体系，强化操作风险管理等建议。关键词：商业银行；农业银行；财务风险；防范；对策AbstractInrecentyears，China'scommercialbanksarefacingmoreandmorefinancialrisks.Howtoeffectivelycontrolfinancialrisksandreducethelossescausedbyfinancialriskstocommercialbankshasbecomeanurgentproblemforcommercialbanks.Onthetheoreticalbasisoffinancialriskincommercialbanks，combinedwiththeactualoperationoftheAgriculturalBank，fromtheanalysisofliquidityrisk，profitability，riskandcapitalstructureriskandassetqualityriskinfouraspects，putforwardtheAgriculturalBankfinancialriskpreventionmeasures，andimprovethecontinuousoptimizationofliquidityriskmanagement，andstrengthentheadheretoriskthebottomlinetheinternalfundsmanagement，andpromotethebankriskmanagement，assetqualityremainedstable，theimplementationofthe"threewiregrid"...
