Research Of Credit Risk Prevention And Control Based On JNLC Bank Of Agriculture And Commerce

JNLC Bank of Agriculture and Commerce by the rural credit cooperative reform into agricultural firms system,funds and business scale has been further expanded,providing more and more services for the development of rural finance and small enterprises.As a unique part of the financial system,JNLC Bank of Agriculture and Commerce provides strong financial support for the improvement of the GDP and the active market economy.Because of the social credit is difficult to control,the rapidly changing economic environment,JNLC Bank of Agriculture and Commerce is facing an increasingly serious credit risk,and to better grasp and avoid the credit risk,the uncertainty problems affecting the further development of business.In order to improve the uncertainty of credit risk,and adapt to the changes of the economic environment,JNLC Bank of Agriculture and Commerce need to identify and deal with the problems of credit risk in the development process.This paper firstly explains the background and significance of the study,compared the domestic and foreign research status,understand the content and development of credit risk.Then it introduces the relevant theories and technical methods of credit risk prevention and control of commercial banks,and then introduces the basic situation and the status of credit risk prevention and control of JNLC Bank of Agriculture and Commerce.Based on the questionnaire survey method,analyzes the existing problems in the prevention and control of credit risk,loan process formalization,loan risk classification is not accurate,mortgage guarantee form and the transfer of credit risk early warning mechanism is not perfect,credit risk management and the evaluation form is single;and pointed out the problem: the evaluation mechanism is not perfect,credit construction don't adapt to the business development,the bad social credit environment and the credit system is not perfect,the verification department does not have the independence and authority.Finally,this paper puts forward prevention and control strategy based on the principles and measures,and put forward specific implementation strategies,prevention and control strategies include: optimizing the credit risk assessment,credit risk evaluation system,optimize the quality of credit assets and credit innovation exit,construction,credit guarantee system to strengthen the accurate classification of Bank credit assets and strengthen the internal management of banks.