Research On The Credit Risk Of Adbc Guangxi Branch Based On Creditrisk+Model

In the recent years,the finance has developped rapidly in China.however, the global financial crisis in2008, have caused great influence on China’s financial industry and economic development, how to control and prevent the credit risk of the banking sectoris very importent, so it is the policy banks. Agricultural Development Bank of China as a policy bank in our country at present only, to the comprehensive development of banking institutions an implementation of the national policy premise is the orientation of reform. Its business in addition to the traditional policy of grain and oilbusiness, refer to commercial loan management mode for more comprehensive business also do many things at once, this part of the business bank own risk, self financing. Therefore, the current emphasis on Agricultural Development Bank credit risk management andstrengthen, can better realize the agricultural release the functions of policy banks, the Agricultural Development Bank in the implementation of the national policy ofbusiness at the same time, its own commercial credit business through the credit risk management, increase their own profitability, enhance the capacity for sustainabledevelopment of policy banks of, having very important realistic meaning.The study object of this paper is:the Agricultural Development Bank of China Guangxi branch of the credit risk. The use of CreditRisk+model, the measurement and analysis of credit risk of Guangxi branch of the Agricultural Development Bank, risk status summary of farming issue Guangxi branch existed. The Guangxi branch of the Agricultural Development Bank has the following problems:business development direction to be clear, the credit policy, credit constraint based has weaknesses, the loanstructure is not balanced, agriculture business lack of anti risk loans, risk prevention and control system of the mainmechanism should be perfected; at the same time for credit risk management of Guangxi branch of the Agricultural Development Bank of Guangxi branch, the to expand the scope of business to reduce credit risk, to achieve sustainable development.