Study On The Optimization Of Credit Risk In Gansu Rural Credit Union

Recently, the problem of bank risk has been the industry’s concern. CBRC held2013national banking supervision work conference pointed out, to effectively guard against and defuse financial risks, the first task is to hold no systemic and regional risk limits, especially raised the money banks along the exposure cycle risk, prevention of shadow banks will risk to the banking system。Banking relations with our country the whole financial destiny, one of the most core of Chinese banking is risk can control, which has a far-reaching effect on financial reform. In recent years, risk control technology and means of the global banking industry rising, risk management mode is from extensive to intensive, from the analysis of quantification depends on subjective judgment towards science, engaged in processing to early prevention, early warning, prevention. The credit business as one of the main business of the bank system, although raising the main business income, intermediate business income, also has brought the huge challenge for the bank risk management.This paper first describes the theory and methods of asset liability management and comprehensive risk management, introduces the need to use the risk assessment method and the economic capital management, followed by the use of a comprehensive risk management method, the whole problem decomposition to credit business situation, find out the critical path of credit risk control in the decomposition. Eventually come to Gansu Provincial Association of the credit risk management system and guarantee mechanism.This paper uses a method of combining theory and practice, the commercial bank credit business philosophy and risk management method of fusion in traditional Gansu provincial cooperative management process, to improve the rural cooperative financial institutions in the background of gradual reform and development to provide a certain reference value.