Research On Guoyang Rural Commercial Bank Credit Risk Control

Bank is the basis for the financial sector, Rural finance is an important part of the modern financial system, rural finance is also plays an important role in promoting rural economic development.In recent years, the state of development of rural finance has always attached great importance to the rural economy is also increasing concern and support efforts. With the continuous progress deepen reform of rural finance, rural commercial banks scale rapid expansion.Many rural commercial banks take to support the development of local economy, support small and micro enterprises the task to stabilize the regional economy and promote the harmonious development of urban and rural areas has played a very important role. However, because of the institutional and economic environment, the development situation of China rural commercial banks is not very good. NPL ratio stay at the highest level in the commercial banks.Bank credit is the most basic business, credit risk would exist potentially pose a direct threat to the financial security of commercial banks, is the most important risk of Chinese commercial banks, therefore, accounted for credit risk management in commercial bank risk management irreplaceable position. Especially in recent years, in the face of macroeconomic downward pressure on economic activity decreased in the background, the commercial banks are facing an overall decline in the quality of loans, the NPL ratio increased year by year the situation. How to prevent and control credit risk is the primary task of commercial bank risk management. Research on risk management in rural commercial banks and targeted to find effective measures to better control credit risk, the promotion of its security business, rapid and healthy development, has a certain practical significance.In this paper, we took Guoyang Rural Commercial Bank as a research object,, proposed the research content and methods, an overview of the innovations possible. The second part is the basis of literature review and theory, mainly on the concept of commercial bank credit risk related to the current research is reviewed, but also describes the contents of the control of credit risk classification of credit risk of commercial banks and commercial banks and methods. The third part of the status of rural commercial banks outlined the main comparative analysis of two aspects:First, comparative analysis of rural commercial banks and other types of credit risk; the second is the existing rural commercial bank credit risk and average Eddy Comparative analysis of the male rural commercial bank credit risk. Finally, the index analysis study of Guoyang Rural Commercial Bank case analysis of rural commercial bank credit risk control existing problems. The fourth part is the analysis of the causes, from external and internal factors analysis of both the causes of rural commercial bank credit risk arising; Part V is generated based on the risk analysis of the causes and control measures put forward suggestions for improvement. The sixth part is the conclusion and prospect, based on the results of the preceding analysis, pointing out the lack of research in this paper, and the direction of future research can be carried out in future.Conclusions of this paper may contribute to promote the sound management of rural commercial banks, has a better theoretical and practical significance of controlling credit risk.