Research On The Credit Risk Control Of Ren Qiu Tai Shou Village Bank

In recent years, with the gradually carry out of rural reform, the rural economy’s development of our country appeared more different characteristics, the needs of farmers in financial services has changed. At the same time, with the advancement of China’s financial reform, state-owned Banks also reflects a gradually close to the big city in the scope of its business, but the number of financial institutions which specialized services in the development of "three rural" is decreasing with each passing day. In this case, for the support and service of “three rural" development, village bank appeared. Since it was founded in 2012, with its strict internal management mechanism and efficient operating method, Ren Qiu Thai Shou village Bank has played a positive role in promoting the vigorous development of the local rural financial industry. However, as a kind of new rural financial institutions, Ren Qiu Thai Shou village bank starts late, for the lacking of credit risk management experience, and credit conditions in rural areas tend to be more complicated, the credit risk is bigger, the difficulty of credit risk management is increasing, various credit risk problems have become increasingly prominent.Based on the analysis of basic situation, credit risk and credit risk characteristics of Ren Qiu Thai Shou village Bank, study in-depth of the reasons for the formation of bank credit risk, then put forward the credit risk control ways of Ren Thai bank: first, build the credit customer credit evaluation system of Ren Thai bank, according to the three different customer groups, set up evaluation index and evaluation standards respectively and set the corresponding evaluation process at the same time. Establish customer credit evaluation system make the village bank get the information of enterprise and individual credit easily, to determine a reasonable comprehensive credit line, so as to best prevent credit risk, improve the level of credit decision-making and management of village banks; Then, to design the risk management mechanism of Ren Thai bank, on the research of credit risk analysis and the research of credit customer credit evaluation of Ren Thai bank, put forward from the credit risk management, credit management system and credit risk avoidance method these three aspects to strengthen and improve the bank credit risk management, to realize the comprehensive management of Ren Thai bank credit risk.