Study On Credit Risk Management Scheme About Ruixin County Bank

To fundamentally solve the problem of low coverage of banking financial institutions, deficiency of supply of financial services, insufficient competition in rural areas, and the problem of difficulty on loans of farmers and small and medium sized enterprises in rural areas. CBRC issued the document,"On Deregulating the Market Access of Banks to Rural Area to Support the Construction of Socialist New Countryside". Ruixin county Bank formed at the historic moment, but as small and medium-sized bank specially offering service for farmers and small and medium-sized enterprises in rural area, facing various risks, and credit risk is the most main risk of Rural Banks.This paper analysis the relationship of Rural Banks and general commercial Banks, discusses the orientation of Rural Banks based on the contents and features of Rural Banks. Analyzes the reality of Rural Banks'business characteristics and credit risk sources, and studies the generating process of the credit risk on the reality of Rural Banks facing farmers and rural small enterprises. According to the business management, existing loan review and risk control methods of Rural Banks, puts the necessity forward making innovations of Ruixin county Bank. On comparison analysis, this paper expounds the traditional credit rating method and modern credit rating model, discusses main characteristics and defects of them, and the feasibility of applying these model. According to the actual situation of farmer credit risk Qingyang xifeng district and the credit risk management o of Ruixin county Bank, models fuzzy comprehensive evaluation method based on the analytic hierarchy process, according to the qualitative analysis with quantitative analysis method, and verifies the validity of the model, designs credit risk management scheme of Ruixin county Bank, Puts various concrete measures of credit risk management forward Ruixin county Bank.