Research On The Countermeasure Of Risk Management Of Nanchang Rural Commercial Bank

In order to promote the economic development in rural areas, countries continue to increase support for rural policy. Based on attracting business and policy financial institutions once again return to the countryside, also issued a series of policies to support the establishment of the new rural financial institutions. As a new type of rural financial institutions leading strength of rural banks in Nanchang, Nanchang rural commercial bank has been rapid developed since since 2010. However, as a new form of rural financial institutions from 2010, it operation time is short. The development of relatively backward, still in the initial stage. Risk prevention ability is relatively low, the policy system is still not perfect, the quality of credit assets is relatively low and a series of problems. This not only restricts the sustainable development of rural banks,but also influences the better service for the local new rural construction. Hence, we must learn from foreign advanced experience, and continuously improve its risk prevention concept and level, establish comprehensive risk prevention and management system.In this paper, we first explains the background, purpose and significance of research. Describes the research progress of the risk control of rural banks at home and abroad, and the related concept and the theory of risk contro of rural banks. Then we study the current situation of the development of Nanchang rural commercial bank, analysis of the SWOT of this bank, points out that risk and the reasons for the existence of Nanchang rural commercia bank. And then we put forward the experience of Japan, the United States, India and other foreign rural bank risk control experience. On the basis of this, we further optimize the internal environment from the Agricultural Bank of village bank, put forward the risk management countermeasures of Nanchang rural commercial bank. Which include optimization of nternal and external environment of Nanchang rural commercial bank.