Risk Management Of Wuxi Agricultural Firms For Public Service

At present,the public credit business is an important pillar of many commercial banks in our country, at the same time, it also has a very high risk. The characteristics of public credit extension business is that once the coupling of the operation risk and credit risk occurs, the losses of credit assets will be much larger than the pure credit risk. With the addition of accelerating industrial upgrading and transformation, the growing uncertainty in the economic operation, some of the traditional industries have been greatly affected, profit margins are reduced or even to the brink of bankruptcy. Especially in some cities in the south, there have been a wave of business failures, which have increased the uncertainty of corporate loans, bad debt level of our commercial banks is improving, bringing risks to our financial security.Therefore, commercial banks should increase attention on public credit business risk control, so that its'public business risk prevention control level can be improved, and play a very important role in reducing the loss of the credit asset of the commercial bank, and improving the operation situation of the commercial bank.In this paper, the main reason that we take Wuxi Rural Commercial Bank as an example is that the large commercial bank has an absolute advantage in competing for large and medium enterprises, while the small and medium banks, especially the local rural commercial bank is not able to provide high quality finance service for the large and medium enterprises due to the limit of the scale and funding under the condition of the increasingly competitive financial environment. However, the local rural commercial bank can provide economical and efficient financial services for small enterprises and township enterprises at low cost because of its local strengths and advantages of small banksFirstly, this paper introduces some theoretical knowledge of risk management of domestic and foreign commercial banks. states the meaning and origin of credit risk of commercial bank, and then introduces risk identification and risk assessment. On this basis, the paper introduces the history, transformation background and risk management situation of Wuxi Rural Commercial Bank, introduces the risk management process of Wuxi Rural Commercial Bank in detail. Then this paper points out the shortcomings of its credit risk management to small business, such as in the aspect of risk control condition, credit rating, risk management after loan. After that improvement schedule is proposed to solve these shortcomings. According to the requirements of risk management of Wuxi Rural Commercial Bank, we improved the risk assessment model. Finally, the safeguards to improve the public risk of Wuxi Rural Commercial Bank are presented.As a staff in Wuxi Rural Commercial Bank, it is convenient for me to get some data from the bank.I hope through this study,we can find the existing problems and management of the public credit business,and improve the level of risk management of Wuxi Rural Commercial Bank. This study is conducive to the steady development of Wuxi Rural Commercial Bank,and also provide a reference for the risk management of other commercial bank.It has a certain theoretical significance.In addition, due to the limitation of time and personal capacity/this paper for discussion of bank credit risk management in the public service inevitably inadequate, I will continue to work assiduously in later life and to improve my professional competence, broaden my horizons, further research and make my own strength improved continuously.