A Rural Commercial Bank Credit Risk Prevention Strategy Research

Credit is the Commercial Bank of our country the main business and the source of profits, this determines the credit risk management in commercial bank risk management core status, so choose this topic research, solve the problem of rural commercial bank credit risk management is necessary in theory and in practice is has practical significance.Papers from the point of view of risk management of to commercial bank credit risk prevention to enhance the level as the goal, the choice of a rural commercial bank as specific research object, adopt a comprehensive research method, for a rural commercial bank credit risk prevention this problem, depth and comprehensive analysis.Through the study found a rural commercial bank credit risk management problems mainly focus on risk management awareness backward, risk management means inefficient, customer credit investigation is insufficient, lack of credit risk early warning, credit risk of scarcity of talents and fall after the construction of the internal control mechanism, etc. aspects.In for the bank credit risk management problem analysis, this paper adopts the normative analysis, system analysis method for a rural commercial bank and credit customers objectively exists the problem of asymmetric information are discussed in this paper to determine the information asymmetry is the root cause of commercial bank credit risk management.The on the basis of a rural commercial bank credit risk management to conduct a comprehensive analysis, summarize and analyze the foreign commercial bank credit risk prevention based on the strategy of experience, is presented to solve the problem of rural commercial bank credit risk management and the specific tactics, that is, to improve the credit risk prevention awareness, innovative credit risk means of prevention, pay attention to credit customer credit investigation, credit risk early warning system construction, the introduction of credit risk management personnel, improve the internal mechanism of credit risk and other aspects of continuous efforts.