Research On Risk Management Of Investment And Financing For Rural Commercial Bank

With the rapid development of China's market economy and the progress of the society,our country financial industry also got very big development.It promoted the development and expansion of China's rural commercial bank financing business at the same time.Our economy is in transition period,the development of financial market is not perfect,the marketization of rural commercial bank business is still affected by the non-market factors,rural commercial Banks are faced with the risk and have made gains more uncertain than their international counterparts,this also means that the rural investment and financing risk management of commercial Banks is more challenging.So the rural commercial bank must increasingly pay attention to and strengthen the business risk management.This article will focus on the emerging rural commercial bank,the rural investment and financing risk management of commercial Banks was studied by using xuzhou huaihai rural commercial Banks as example.The article is divided into six parts altogether.The first part is the introduction,mainly introduced the thesis research background,purpose,significance and the domestic and foreign research dynamic;The second part summarizes the development status of its investment and financing business and business types,analyzes the degree of risk and risk of financing products,dissects the corresponding investment and financing business risk management and the existing main problems.The third part makes a detailed summery of the present situation of xuzhou huaihai rural commercial bank,and compared with other commercial Banks.In the fourth part,the main problems of xuzhou huaihai rural commercial bank financing business management were elaborated profoundly.The fifth part puts forward the measures and methods of constructing huaihai rural commercial bank investment and financing business risk management system from constructing risk management organization system,perfecting the risk management system,culture construction of risk management and perfecting the risk management support system and so on.In the sixth part,the paper expounds risk management measures of investment and financing business at xuzhou huaihai rural commercial bank,describes risk identification and evaluation method of investment and financing business at xuzhou huaihai rural commercial bank,puts forward the specific control methods and strategies according to different risk types,discusses safeguard measures for risk management strategy,and assesses the effect of risk management strategy.