Research On Credit Risk Evaluation Of Rural Commercial Bank Based On Process Bank Organization Pattern

With the goal of’two one hundred years" and "tough fight of poverty,""Three Rural Issues" increasingly be taking seriously of the party and country. Rural commercial bank will play a more important role and take on greater historical responsibility as the main organization servicing in the rural financial.However, with the deepening of reform,interest rate market-oriented and private capital putting into the financial sector, economic development is full of uncertainty.concered And the complexity of "three rural" issue and small micro-enterprise, the management of rural commercial bank face with further difficulties and exacerbated credit risk. Based on the above background, this paper tries to build credit risk evaluation of rural commercial bank based on process bank organization pattern.This paper uses quantitative and qualitative analysis and combines theory and practice as the research of project and literature. What’s more, this paper builds credit risk evaluation of rural commercial bank based on process bank organization pattern by describing the process in the system banks, credit risk analysis concepts and features and the mainstream of the current credit risk evaluation method and analysing the relationship between business processes and organizational structure, process bank and credit risk evaluation in depth.This paper proposes the complementary and mutually content relationships of process bank and credit risk evaluation system through research. The building of process bank is an important mean and method to enhance the level of credit risk management. Credit risk management is an important index to test the effectiveness of of the bank building. In the typical case of Z Rural Commercial Bank, this paper analyzes the problem of rural commercial bank credit risk evaluation system from the perspective of both internal and external aspects. Lastly, this paper builds credit risk evaluation of rural commercial bank based on process bank organization pattern by optimization of business processe and organizational structure, with the goaol of improving the credit risk management level,establishing credit risk management "intensive, flat, professional" and internal credit risk transverse cross-sectoral collaboration to control mechanisms. On the basis of strengthening internal management, this paper also studies the establishment of a xredit risk evaluation model for external customers to determine applicable to SRCB’s six dimensions of 20 indicators. Thereby constructing a set of internal and external balance of form, process-based banking organization model credit risk assessment management system, to SRCB enhance credit risk management level to provide reference.