Study On The Credit Risk Management For Gansu Xihe Rural Cooperative Bank

Gansu Xihe rural cooperative bank’s credit risk management has been a certain degree of improvement in the development of recent years. Compliance idea gradually increase, Significantly improve compliance awareness, Significantly enhance the level of risk management, There are chapters that do not follow and the basic phenomenon of illegal operations to be curbed. However, Xihe rural cooperative bank has long been affected and due to the management system, operation mechanism and internal control management, and many other factors. Accumulated a considerable degree of credit risk, Performance in credit risk management methods and concepts obsolete, judgment and experience is still basically a simple qualitative analysis is the main way, the high rate of non-performing loans, and other potential risks concentrated in many risk factors. So it is of great practical significance to strengthen credit risk management.In this paper, Gansu Xihe rural cooperative bank made a thorough study of credit risk. First, credit risk management theory were reviewed research, analysis and resolution of the West and rural cooperative banks existing problems in credit risk management to lay the theoretical foundation. Secondly, the West and the status of Gansu rural cooperative bank credit risk management were analyzed by statistical methods study analyzed the West and rural cooperative banks current credit status, identify problems and causes of credit risk management stage presence.Finally, To use credit risk management relevant theoretical knowledge in practical work with the current situation, the West and rural cooperative banks Gansu future credit risk management has been improved measures serve to strengthen western Gansu and rural cooperative banks credit risk management capabilities effect.