Rural Commerical Bank Credit Risk Management Research

Due to its high efficiency and convenient features,Credit Card as an important non-cash payment instrument is favored by more and more people.However,the rapid development and expansion of credit card business makes sorts of risks of the whole industry revealed.Credit card risk management research has gradually become a hot issue.In recent years,the city's credit cards are becoming increasingly saturated,the country gradually become the blue ocean of credit card business.At present,the credit card market in rural areas is in the stage of rapid development,according to the financial resources from developed regions and cities gradually to less developed areas,the township investment trends,credit card business will fully occupy the rural market.As the main force of the rural market to provide financial services,credit card as its product line is not available,it can play an important role in the customer,improve customer loyalty.The essence of the credit card is small credit,which has the characteristics of retail business.Therefore its business development,risk control has a certain degree of technical,and its marketing,audit,credit and collection,etc.the risk areas and traditional financial products have great difference.However,due to the county,the traditional business of deposit and loan,resulting in the lack of agricultural firms to carry out credit card business and risk prevention and control of professional personnel and technical means.This paper is to solve this problem,the case of P agribusiness behavior,with the status quo of the bank credit card business,risk management,and the default risk factors analysis.It is concluded that there is a common risk factors such as low compliance capacity,poor performance will,and information asymmetry between banks and customers.There is also a lack of internal cooperation,credit evaluation methods,credit rating,lack of professional personnel and other issues.In the external environment,the rural areas also have a lack of strong protection mechanism,the moral credit environment is poor,and so on.Therefore,the risk control of credit card business in rural areas should be carried out with the government,the people's Bank,agricultural firms and so on.As an agricultural firm,in addition to the standard process,improve the system,how to eliminate and customer information asymmetry,building a scientific credit scoring system is particularly important.Therefore,this paper analyzes the existing credit evaluation index of P agricultural firms,the combination of the actual P agricultural commercial credit evaluation index system has been improved,and the final optimization for the twelve indicators.After determining the score index,the author collected the P agricultural firm's recent credit card customer data,through Logistic regression,established a new credit card customer score model.The accuracy rate of the model is 80%.In addition,according to the existing problems of P rural commercial bank,the countermeasures to improve the risk management of P Agricultural Bank credit card are put forward,and the risk management system of P Agricultural Bank credit card is improved.In this paper,the author tries to build a p agribusiness behavior on behalf of China Eastern rural commercial bank credit card risk management system that can be copied.It can be used as a reference for the risk management of the credit card of the rural commercial bank in the eastern economic developed province,which is the representative of the Rural Commercial Bank of our country.