Research On Credit Risk Prevention Of Zaozhuang Rural Commercial Bank

With China’s rapid economic development, rural credit cooperatives is generally for the restructuring of rural commercial banks, rural commercial bank outlets all over the country, with a considerable scale of business and financial strength, has become the basic force of rural finance, is an important indispensable part of the financial system of our country, but there are some problems in the course of development.Based on the description of the topic background and the significance, basic research framework, research methods, the structure of the thesis, research innovation and insufficient, summarized the research status of rural commercial bank credit risk at home and abroad, describes the related concepts of credit risk of rural commercial bank, described the present situation of Zaozhuang rural commercial bank credit management the analysis, Zaozhuang rural commercial bank credit risk management:the high proportion of non-performing loans, business process formalization, loan classification is not accurate, high concentration problems, points out the core business, the business development of Zaozhuang rural commercial bank based products, is the source of survival, development, reform the base. The credit business is very important, Zaozhuang rural commercial bank shall actively changing the credit management idea, really will be the basis and core of credit business as management work, to strengthen the management of credit asset management as a top priority to hang. Think of Zaozhuang rural commercial bank shall further perfect the credit business, organization structure and business process to establish a sound credit business incentive and constraint mechanism, and actively build a scientific credit risk early warning, identification and control system, measure and control the risk of loans, to pay attention to the construction of internal control culture, improve staff awareness of credit risk, strengthening the bank staff education, regulate their from the source, thereby reducing the risk of bank credit.