Research On Rural Commercial Bank Credit Risk And Its Prevention

The credit risk of commercial banks are always the hot spot among the society,it is produced mainly from the qualitative changes of the debtor's credit,they are unwilling or completely incompetent to service their debates before maturity date of any point in time,which products debt default risk.On the actual situation of China's commercial banks operating,credit risk of commercial banks is still outstanding,the commercial bank is also a big problem and the shortcomings.Therefore,whether the credit risk can be successfully prevented will directly affect the development of commercial banks.Duo to rural commercial bank established later,the limited capital and operates are more conventional,compared with other large state-owned commercial banks,the research on credit risk management in terms of both depth and breadth is lags far behind.In the daily operation,rural commercial banks mainly provide financial services for farmers,local small and medium-sized enterprises and township agricultural organizations and other institutions,the income and profit are mainly through the development of leading business on interest income.Similar to other state-owned commercial banks and financial institutions,the rural commercial bank's profit channel is homogeneous,the credit risk is too concentrated and the non-performing loan rate is high.For these reasons,it is very urgent to study the credit risk of rural commercial banks,through the establish of effective credit risk prevention measures,the rural commercial bank credit risk prevention ability is increasingly improved.Nowadays,the scale and quantity of rural commercial banks have reached a new lever in our country,but the problem of credit risk management is becoming more and more serious,the further researches are necessary.This paper takes A rural commercial bank of Jiangsu province as a research object,based on the research results of the credit risk of commercial banks in China,the business and financial data of A rural commercial banks in recent years are analyzed in detail,discussing the main causes of the credit risk and proposing the prevention recommendations on solving the credit risk of A rural commercial bank.Through the study of this paper,I hope that the credit risk problem of A rural commercial banks can be effectively solved,and the credit risk prevention ability will been improved.