However, generally speaking, the risk of bank failure can be evaluated from the following aspects:
1. capital adequacy ratio: the capital adequacy ratio of a bank is one of the important indicators to measure its ability to resist risks. If the bank's capital adequacy ratio is insufficient, it may increase its risk of bankruptcy.
2. Asset quality: The asset quality of a bank refers to the health of its loans and investment portfolio. If the bad debt rate of banks increases and the value of assets decreases, the risk of bankruptcy may increase.
3. Regulatory requirements: Banks need to comply with the regulations of regulatory agencies, such as the requirements of the central bank and banking regulatory agencies. If the bank violates the regulatory requirements, it may face risks such as fines or revocation of business licenses, which will lead to its bankruptcy.
4. Management ability: The management ability of a bank is very important for its stability and development. If the bank is poorly managed and strategically wrong, the risk of its failure may increase.
It should be noted that the banking industry is supervised and protected by regulatory agencies, and many countries have insurance institutions to protect bank deposits in order to reduce the impact of bankruptcy risk on depositors. Therefore, even if banks are in trouble, they may avoid bankruptcy through government rescue plans or other means. So I can't accurately predict whether Qujing Commercial Bank will fail. You can evaluate the bank by paying attention to media reports and understanding its financial status and supervision.