Research On The Credit Risk Management Of Shenzhen Longgang Guoan Village Bank

Rural Bank is a new rural financial institutions, it is in the country and thegovernment’s strong support of the only established policy banks, commercialbanks and the general is quite different, relatively weak competitive ability is notstrong deposits and the development of rural enterprises is far better than the bigcities of the enterprise, resulting in a relatively poor rural banks to survive theenvironment. Credit risk management is the key and difficult development ofvillage banks, and how to break the bottleneck of credit risk management andthus achieve long-term sustainable development of rural banks is a topic worthyof further research, the purpose of this paper is based on the proposed.Shenzhen Longgang Guoan Rural Bank since its inception in March2012just two years, the business in an orderly manner, but in addition to thedevelopment process has also exposed some problems in the credit riskmanagement primarily found in five areas the problem: not yet establish a soundcredit risk management system, the lack of a comprehensive risk managementsystem of internal control mechanisms, credit risk management methods andmeans backward, liquidity risk awareness is not strong, low-credit professionalquality, mobility, lack of supervision; mainly include internal regulatory bodiesare not perfect, financing single credit system is not perfect, the lack ofprofessional personnel.And organize a large number of papers to read professional literature,Shenzhen Longgang Guoan rural banks to improve credit risk managementprovides a theoretical guidance. Theory papers are mainly involved inasymmetric information theory, theory of reputation mechanism, mortgage creditmodel and game model based on the interests of the Community. For nationalsecurity Shenzhen Longgang village banks in credit risk management with regardto the problems, the paper is divided into before the credit risk management ofcredit risk prevention, credit risk control after two big stages and pre-treatment,during treatment, after treatment of the three small steps; then the structure of loans to customers for national security, Longgang, Shenzhen rural Bank loansare divided into three categories of credit risk management model before:medium-sized enterprises credit risk management, small and micro enterprises,self-employed credit risk management, personal consumer credit riskmanagement model; finally credit risk of loan management mode ShenzhenLonggang village Bank national security were discussed in detail.Finally, from the recognition of credit risk protection measures to establish ascience credit risk prevention mechanisms, the establishment of the three majoraspects of credit risk management proposed incentive mechanism to safeguardthe national security of the Shenzhen Longgang Village Bank credit riskmanagement.