Research On Changning Rural Commercial Bank Credit Risk Management

It's requirement of healthy development of agriculture bank and also support and guarantee of economy achievement of development of agriculture and new socialist countryside that establishing a scientific and effective credit risk prevention mechanism,improving level of management of credit risk.In this article,based on management of credit risk in Changning rural commercial bank and situation of current management of credit risk,and quantitative analysis in loan data of credit product in Changning rural commercial bank,it finds out situation of distribution of credit risk and provides management of implement scheme for management of credit risk,which can improve level of management of credit risk of Changning rural commercial bank and also provide reference of rural commercial bank's development and establishment of system of management of credit risk.Firstly,it gives review of theory of credit risk around domestic and abroad in this article,and trying to find a way and idea of reforming Changning rural commercial bank.Secondly,it analyses interior and external of Changning rural commercial bank according to field study.Thirdly,it gives quantitative analysis and discussion of type of loan product in Changning rural commercial bank.Finally,it gives plan and suggestion of current risk control issue in Changning rural commercial bankIt uses Credit Risk model in measurement and analysis of factor of risk of Changning rural commercial bank in this article,and calculates precision metric of credit risk,and then calculates distribution of risk loss of credit level,which can benefit finding issue of credit risk control in Changning rural commercial bank,and according to these issues,it gives a reasonable suggestion and efficient plan.In the meantime,it also gives some reference value to other area of rural commercial bank.