Research On Credit Risk Of PS Rural Commercial Bank In Jilin

Continue to promote the reform of the financial system makes the rapid development of China's financial market, in this background, through the reform of rural credit cooperatives,revitalized, comprehensive strength continuously, has become an important part of rural financial system. The role of rural credit cooperatives is to serve agriculture, rural areas and farmers, and to promote the economic development of rural areas, and it plays an irreplaceable role in meeting the growing demand for financial services in rural areas.However, due to various reasons, the rural credit cooperatives exist the problem of low level of credit risk management, whether in the innovation of financial instruments, or in the type of business assets, there is a huge shortage compared with the domestic large commercial bank, and its credit risk management is more far, this caused their faces the credit risk is high.Credit is the main business of rural credit cooperatives, the main source of the risk is at the same time, with the further intensified competition in the financial market and the market-oriented interest rate reform, rural credit cooperatives, credit risk has become increasingly prominent, the rural credit cooperatives due to historical levels, the reform is not very thorough, the historical legacy of bad loans the number of large, high risk and its business scope, which leads to the problem of credit risk must be more prominent than other commercial banks. Had a great impact on high risk of rural credit cooperatives credit to their own health development, so how to take effective measures to solve the problem of low level of credit risk management, construction of effective credit risk management system, the credit risk control in the range of affordable, it has become an important research topic in the field of rural credit cooperatives can not be avoided.Considering the important role of rural credit cooperatives in our country in the entire financial system and widespread credit risk high in this realistic background, this thesis chooses this topic to the credit risk of PS in Jilin rural commercial bank as the research object, on the line of credit risk control system problems and causes, to explore specific solutions. The first is the introduction of the basic theory, the main content is the research background, significance, content, ideas and methods of commercial banks, development history, credit risk theory, credit risk theory, then is the credit risk status of Jilin PS ruralcommercial bank to conduct a comprehensive study, the main bank credit hungry risk Analysis on bank credit risk control system and the system problems and causes. Finally, the current rural commercial bank credit risk control system optimization and Countermeasures to avoid credit risk, so that agricultural firms get better development, but also provide some suggestions for the development of other rural commercial banks.