Heze Rural Commercial Bank Credit Project Risk Management Research

With the rapid development of our country's economy,China's financial institutions also ushered in the fierce competition in international financial institutions.Commercial bank's main business is the business of credit assets,but in access to high profits at the same time also face higher credit risk.So in the current economic situation,how to improve the ability of commercial Banks to guard against and resist risk,strengthen the research of credit risk management,to improve economic efficiency,resides deep realistic meaning.In this paper,based on the heze city agricultural bank,adopt the method of empirical verification put forward the internal ratings-based approach,to manage credit risk,so as to improve the purpose of resist risk.The first chapter of this paper is the introduction,mainly elaborated the research background and significance,research ideas and methods;The second chapter introduces the related basic theory of credit risk management;The third chapter of heze agri-businesses bank credit risk identification;The fourth chapter is based on Credit Risk Credit Risk + model of heze agricultural commercial bank Credit Risk measurement;The fifth chapter of heze agricultural commercial bank credit risk prevention countermeasures are put forward.In this paper,combining theory with practice,using internal rating method in the analysis of small business loans,the heze city looking for analyzing the present situation and problems of rural credit cooperatives credit asset management factors,study how to explore the heze city rural credit cooperatives more effective implementation of the credit risk management,to provide ideas for reform and development of rural credit cooperatives,to guide the reform of rural financial institutions have a certain reference significance.