Study On Credit Risk Management Of Rural Banks

In rural areas Chinese due to many factors affected by the regional economic area, and other restrictions, the small farmers and rural micro enterprises scattered, small scale, lack of collateral, large commercial banks are not lending to the basic rural credit cooperatives,although some development loans but the overall radiation area is small, in this case, in order to effectively alleviate inadequate supply of rural finance, in 2006 the CBRC promulgated a series of establishment and opening up the rural financial market of the new deal,investment and encourage the establishment of new financial institutions in the country and the area of each county; most of the area of Inner Mongolia is based on the traditional the animal husbandry, social production is relatively backward, the development of financial services is relatively slow, not financial supply Symmetry, the urgent need to expand the financial services efforts, X rural banks in the financial environment, as a service in minority areas of regional rural banks, faced with various risks and challenges, because of the characteristics of minority region in rural banks credit risk more difference, geographical, credit risk compared to the other city commercial banks are more likely to be exposed; based on the analysis of this dissertation, from the theory for the future research on rural bank credit risk provides a theoretical basis, from the reality to the lack of basic data of the rural and pastoral areas in the rural and town bank provides credit risk management guidance.In this paper, through the analysis of the current development of domestic credit risk management and control level, analyzes the status quo of the development of rural banks in Inner Mongolia area, were located in Inner Mongolia minority groups, with the typical characteristics of the rural and pastoral areas of X rural bank for the study sample, through combing the rural of X town bank credit risk management status, problems and management problems, and through qualitative and the quantitative analysis of general application,combined with the use of fuzzy comprehensive evaluation model based on AHP, help rural bank credit risk for the data analysis method, through the data analysis conclusion possible credit risk, and credit risk management mechanism of X rural bank is still not mature, need tofurther adjust and improve the credit risk management the implementation of system,management mechanism, strictly follow the process of credit risk management, clear responsibility, Achieve balance risk and return. Through the research, this paper put forward the rural and pastoral areas of rural banks credit risk management implementation measures,for other rooted in rural and pastoral areas of rural banks to credit risk analysis and management to provide reference.