Research On Credit Risk Control Of HF Science&Technology Rural Commercial Bank

With the continuous development of our country,the new rural construction of the rural financial reform deepening and the state of the new socialist rural construction investment increasing,rural commercial bank with the support of national policy and a broad market advantage in the field of rural finance has achieved great development space.Rural commercial bank is the product of rural financial reform,with the advantages of corporate governance management system,efficient business processes,its flexible norms,rooted in the rural market,develop business,become the rural financial market leader.As of the end of 2015,the total number of rural commercial banks increased from 2014 in late to 859.At present,the large commercial banks have gradually left the rural market from their own strategic perspective,and a large number of outflow of rural funds.The rural commercial bank as the main force to support the "three rural" development,to play its supporting role in rural economic development,rural areas to meet the demand for funds,which requires banks to have strong anti risk ability,achieve sustained and stable operation to promote rural development.2016 China rural commercial bank non-performing loans 234 billion 900 million yuan,an increase of $186 billion 200 million compared to the end of 48 billion 700 million yuan,the NPL ratio of 2.49%.With the accelerated exposure of non-performing loans,the bank’s net profit growth fatigue,affecting the quality of assets and financial security.Bank’s core business is the deposit and loan business,the main interest bearing assets is also a credit asset,credit risk control has been the top priority of the whole line.In rural areas to carry out credit services,China’s agriculture at this stage is still in a fragile state,vulnerable to the impact of natural climate conditions,the ability to resist risks is weak.Most of the objects are farmers,less educated,lack of credit.HF Science&Technology Rural Commercial Bank in credit operation and the lack of effective supervision and reasonable incentive,in the loan review regulation is not strict,the repayment ability of the borrower will continue lending,cause the credit risk continues to increase.The ability to control the credit risk is particularly important for banks,which is of great significance to the development of rural economy.Therefore,it is necessary to identify and evaluate the credit risk of rural commercial banks,so as to better deal with the risks.In this paper,on the basis of domestic and foreign scholars the latest research results of rural commercial bank credit risk,the behavior of HF Science&Technology Rural Commercial Bank research object,discusses the.First,this paper introduces the research background and significance,secondly,introduces the concept of the commercial bank credit risk control and related theory and credit risk,the history of the theory described in detail.Finally,this paper analyzes the case study of the credit risk control of HF Science&Technology Rural Commercial Bank,the overall research is based on the process of "problem analysis problem solving problem".The first step is to describe the process of the credit business of HF Science&Technology Rural Commercial Bank,analyze the current situation of the credit business,and find out the problems in the process.The second step,the paper analyzes the existing HF Science&Technology Rural Commercial Bank in credit risk problems,combined with the risk control theory and application guidelines,there are more concentrated in the distribution area,taking into account the rural commercial bank’s non-performing loan ratio and the amount of loans double up,overall process management problem situation,further analysis of the reason.The third step,according to the specific situation of HF Science&Technology Rural Commercial Bank,combined with the relevant theory of the corresponding solutions.Can do to customer due diligence before lending,understand the repayment ability of the enterprise,but also to improve the bank’s internal management system,has continued to be able to follow in business management,to ensure complete understanding of the credit business,resulting in the credit business process,ensure the effective implementation of good process,improve the credit risk management.