Research On Credit Risk Management Of Rural Commercial Banks

Commercial banks operate independently,self financing,relying on credit as the main source of income at the same time also contains a certain amount of risk,related to the steady development of banks.Due to the macroeconomic situation and the particularity of rural finance,compared to ordinary commercial banks,rural commercial banks,poor quality of credit,facing a larger creditrisk.Therefore,the study of credit risk management in rural commercial banks has a great effection helping to improve the risk resistance of rural commercial banks.It also helps to improve the stability of credit business and promote the overall development of rural finance and the prosperity of local economic.This paper will raise the Shizuishan rural commercial banks as an example,to study the credit risk management issues of rural commercial banks.This paper analyzes the main content of the ri sk management and quality of credit assets.On this basis,we found several problems on this banks'credi t risk management,including:credit management internal control system does not sound;lack a valid credit risk warning system;the management level of credit risk is serious lag;after-loan management is weak;the defects in customers credit system etc.Then this article analyzes the reasons from external and internal two analects,including:system factors and historical reasons;credit object quality is not high;lack of high-quality credit personnel;lack of green and healthy credit business culture;social credit environment missing etc..Lastly,according to th e aforementioned analysis results,we raised related policies and recommendations,including:establish internal control system,specifying credit operating procedures;Improve the early warning mechanism,consummate the prevention and control system;establishment of Scientific and valid credit risk warning system;Strengthen the management of credit personnel,improve the overall quality of staff;strengthen credit business culture;build a good environment to promote the development of grassroots financial;Optimize the structure of credit assets,and strengthen the management of loan concentration etc.