The Countermeasure Research On The Risk Control After The Loan To The Rural Commercial Bank

In order to speed up the development of the rural construction in our country,in 2005, the provinces of rural credit cooperatives do their best to reform the development of rural commercial bank. With its business scale, financial strength and geographical advantage, the rural commercial banks have become an irreplaceable part of financial system in china. However, compared to the modern commercial bank,there is still an obvious gap in the county as a representative of the rural commercial bank.To pursuit the business development at the same time, they are facing a serious problem of credit risk management. Credit risk management as the final step in credit risk management, is the important way to guard against financial risks, to ensure the safety of bank assets, and it also an effective way to improve the operation efficiency of assets.At present, the rural commercial banks are the lack of basic knowledge of management after loan. In the actual business process, they pay more attention to pursue the development scale of business loans, and thus appeared "refinance light pipe", "paying" phenomenon and the quality of loans are often not guaranteed. The post loan management becomes a mere formality, so the potential risk of bank assets are increased. Research on credit risk management is helpful to improve the rural commercial bank management and risk prevention capacity, and it is also a great significance to ensure China’s banking developing healthy, sustainedly.Firstly, this paper summarizes the domestic and foreign scholars on the research of risk management after the loan to the risk management theory,information asymmetry theory after the loan as the basis, and come up with that it is a necessity to pay more attention to the risk management after the loan. Secondly, we briefly introduce the present situation of YZ rural commercial bank credit management, find out the existent problems of risk management after the loan as well as the reason, mainly including credit risk awareness is not strong, post loan management enforcement is not enough, and the warning mechanism is not perfect and so on. Finally, according to the specific problems and the reasons of the risk management of YZ rural commercial bank credit, we put forward the perfect system construction from the post loan risk management purposes, principles, contents,process to construct the optimal design scheme, and from the post loan management consciousness, personnel training and so on, and ate the same time we put forward thesafeguard measures of rural commercial banks face after the loan risk management.