Study On The Credit Risk Management Of FZ Commercial Bank

With the transformation of Chinese economy from high speed to medium speed,the credit risk of rural commercial bank is also showing a new normal.Clear understanding of the problems faced by credit risk management.Timely view and present a risk management approach to the overall system.For rural commercial bank,at present,those are difficult problem to be solved.This paper uses the way of qualitative analysis,quantitative analysis,literature research,field survey and so on.Firstly,this paper describes the background and the significance of the research.Gives a brief introduction to the concept of credit risk and credit risk management.Summarizes and reviews the relevant research results of scholars at home and abroad.Secondly,based on analysis of the current situation of credit asset management and credit risk management of FZ rural commercial banks.Discover and come to the problems existing in the credit risk management with the theoretical basis of credit risk management of rural commercial banks.Including: the growth rate of non-performing loans too fast,loan structure is not reasonable,loan concentration is too high,the credit risk management structure is not perfect,credit risk management process is not perfect,credit risk management system is not perfect.Finally,put forward the countermeasures to solve the above problems.Mainly include: improve the quality of credit assets,and optimize the credit structure,reducing the concentration of credit assets,innovative credit products,improve the corporate governance structure,establishment a strict credit risk management process,improve the credit risk management internal control system.This article analyzes and studies the current situation of credit risk management of FZ rural commercial bank and put forward the corresponding improvement measures.These can help FZ rural commercial bank to improve the level of credit risk management,to strengthen awareness,improve management,improve management efficiency.They can be used for other rural commercial bank to prevent credit risks and optimize the credit risk management.But,there are many deficiencies in this paper.On the one hand,This paper is short of horizontal comparison and vertical comparison.Cannot see the credit risk management level of FZ rural commercial bank in the same industry.on the other hand,due to the lack of detailed data and corresponding empirical analysis,the conclusion of this paper is lack of empirical validity.