The Research Of Credit Risk Management Of Agricultural Development Bank Of China In Dazhou Branch

As a state policy bank, the establishment and development of the bank for the prosperity of the rural economy and the development of agriculture provides a strong driving force. Policy implementation of national agricultural policy, raising money, especially for agricultural development to provide policy financial business. Rapid development of rural economy, entrepreneurs, they need strong financial support, loans has become the choice of most people, the rapid increase of bank loan portfolio credit risk index are also rising. Especially large rural bank’s credit risk, the bank is an urgent need to establish your own development needs of the credit risk management framework and measurement tools, for the development of the bank to provide greater profit space and development space.This article mainly from the bank dazhou branch current situation of credit risk management system, introduces the bank branch of dazhou the historical evolution and basic framework of credit risk management. At the same time, using the method of comparative research, case study, literature review and questionnaire survey in dazhou branch credit risk management present situation has carried on the investigation, analysis and research branch of the bank dazhou backward management concept, management system, low efficiency, lack of effective slow-release measures, risk compensation mechanism construction lag and so on. On this basis, the analysis of the agricultural bank credit risk control in agriculture and some effective measures taken. Based on this, puts forward the measures to strengthen the bank dazhou branch credit risk management. The author hope that through this study, combined theory with practice, explore a beneficial to the bank branch of dazhou effective measures of credit risk management.