Analysis Of Credit Risk Management Of Commercial Banks' Commercial Loans

As a state policy bank,the Agricultural Development Bank China,has been engaged in the areas designated by the state,the object and purpose of credit business.With the deepening reform of Bank and social economy,the Bank opened a commercial credit business based on the policy of credit business.In the policy of credit business at the same time,prudent development commercial credit business,the agricultural development has been good sustainable development.With the deepening development of market economy and the use of modern financial innovation means and accelerate the process of banking service economy achieved considerable profit at the same time,has gradually entered the high risk industry.Business development and risk prevention and control has become the two important aspects of business management the modern bank inseparable.Commercial credit business bank to achieve good results in the rapid development and at the same time,is also accompanied by high non-performing loans.Questions,and has become an important factor to hinder its development.The reform of the agricultural development in a crucial year,whether in accordance with national requirements,to prevent credit risks,prudent development of commercial credit business has become the urgent need of the Agricultural Development Bank problem.Therefore,analysis of the agricultural commercial loan risk management issue,to agricultural issue YN branch as an example,combined with H's commercial non-performing loan case,based on the development of commercial credit business on the effective prevention of non-performing loans has important practical significance.In this paper,through case analysis,taking H company commercial bad the loan case as the breakthrough point,from the causes of bad loans,a profound analysis of the current situation of commercial loan risk management,existing problems,and some countermeasures and suggestions were provided,so that the sustainable development of ADBC commercial loan business better and better based on the "three rural",to support the "three rural","three rural" service.