Analysis On Non-performing Loan Risk Of Rural Commercial Bank

The rate of non-performing Loan size is not only an important factor in the financial crisis, and even determines the bank under the steady economic profitability and core competitiveness. With the development and progress of economy, the role of rural commercial banks in promoting local economic development, rural services and other aspects of the increasingly indispensable. But with the increase in credit business of intense competition in the rural commercial bank, rural commercial bank faces the challenge and the impact is also growing. So for the rural commercial banks, it is urgent to establish a set of credit risk evaluation belongs to the rural commercial bank system, and better control of credit risk.In this study the non-performing loans of our country rural commercial bank under the background, describes the analysis of non-performing loans of rural commercial bank risk meaning, purpose, content, innovation and deficiency, and the research status at home and abroad were briefly analyzed in this paper. So the study of Non-performing Loan in China’s rural commercial bank risk has a certain theoretical and practical significance of analysis. the basic theory of rural commercial bank non-performing loans based on risk management, the concept of rural banks and non-performing loans are briefly analyzed, and the relevant theoretical basis for the corresponding overview. In these theories and the rural commercial bank credit risk analysis, identification, assessment and treatment with a more detailed overview. China Rural Commercial Bank after development and construction for many years,accumulated a large amount of non-performing loans, and even in some areas of the non-performing loan ratio affects the stability of the banking system in china. Toanalyze the non-performing loan analysis and research of the rural commercial bank,we need on the current status of the rural commercial bank non-performing loans are analyzed, based on the analysis of the status, the reasons of forming non-performing loans of rural commercial bank is also analyzed in brief. In addition, this paper establishes the analysis by the analytic hierarchy process as the research method of model,In the case of W Bank, non-performing loans of rural commercial bank risk management has carried on the empirical analysis, and put forward the current existing problems of Non-performing Loan in China’s rural commercial bank risk management problem, and proposed to solve these problems and corresponding solutions, the hope can increase a certain theory and practice experience for Non-performing Loan in China’s rural commercial bank risk management.