Research On The Credit Risk Of Rural Commercial Bank Of China

For a long time, the rural financial system in China has been focused on the reform of rural credit cooperatives, which is one of the difficulties.In this context, rural commercial banks have emerged. Rural Commercial Bank is based on the operation of assets of some economically developed regions of rural credit cooperatives, through the form of shares, shareholders including area farmers, corporate businesses, in accordance with a legal, unified accounting Corporation way of operating the local commercial banks. Rural commercial banks and general commercial banking, funds obtained through a variety of debt business, of course, the use of these funds not avoid bank assets business. In the bank all the assets of the business, which the largest and most commonly used is the credit business credit business loans as a principal, on the one hand, commercial banks earnings sources, on the other hand, will give the bank risks. So, whether it is from the security and stable development funds from commercial banks angle of view, or from the entire financial market stability and social harmony and development point of view, the credit assessment of borrowers are very necessary.Rural commercial bank credit risk measurement and control of business is a systematic project, its complexity, so we need to establish an effective risk management system, as the starting point of the New Basel Capital Accord, combined with the status quo of China’s rural commercial bank credit risk and analysis of the credit risk of the formation of the specific problem from an empirical point of view, ways to control risk. Article from six parts layer by layer analysis of case data, through a comparative analysis, and finally concluded that:The first part of the introduction, the main contents of the proposed research background and significance, the overall structure of distribution of articles and articles of innovation and research prospects;The second part of the literature review and concept definition, literature review from foreign and domestic research literature on two aspects, including rural commercial bank credit risk perception, formation, control, angle, and finally to comment and summary; concept definition including rural commercial banks the concept of credit risk description and the rural commercial bank credit operations designed to split the assets are classified;The third part of the rural commercial bank credit risk status and problems of analysis, descriptive commercial banks in recent years, China’s rural development, rural commercial banks Sihong selected as the research object, through the comparative analysis of empirical data to credit risks of its existence, thereby promoting research China’s rural commercial banks obtained credit risk management deficiencies and problems;The fourth part of the rural commercial banks, the main causes of the credit risk analysis, from many different perspectives of rural commercial bank credit risk analysis of the specific causes, including internal, external, institutional reasons such as multiple angles;The fifth part to improve the rural commercial bank credit risk management policy recommendations According to the preceding analysis, respectively, from the perspective of rural commercial banks and the government’s own point of view put forward corresponding policy recommendations, including corporate governance structure and internal management system construction, credit risk early warning mechanism, rating system construction and other aspects.