Research On Development Environment And Credit Risk Of Rural Banks In China

Chinese rural financial market supply and demand imbalance,the CBRC in order to improve the supply of rural finance,introduced a series of policy measures to develop the village-based banks in rural financial institutions.Village and village banks to take the modern enterprise management model,mainly for the "three rural" construction services.But because of the small scale of operation,the high cost of operating reasons,for the village banks and large urban banks,the credit risk is more serious.The purpose of this study is to provide feasible advice on how to control risk and achieve sustainable development.This paper mainly studies the development environment of the village and the bank and the credit risk of the village bank.Firstly,it introduces the development course and characteristics of the village bank,and then describes the development environment and the operation status and the development problems of the village and the bank,and introduces the risk category of the village bank,Analyzes the causes of the most important credit risk,and finally chooses the credit data of sample bank 2013-2014,and makes an empirical study on the credit risk of the village bank.This paper draws the conclusion through the research: 1,the development of village banks can improve the rural financial market supply and demand imbalance;2,in the development of village banks,credit risk is one of the most important issues,information asymmetry and other reasons The credit risk of the village bank is 3,through the selection of various credit risk analysis methods,Creditrisk + model is the most suitable credit risk analysis of the village bank;4,through empirical research,Control is not enoughAccording to the above conclusions,this paper puts forward some countermeasures and suggestions: 1,to promote rural financial reform;2,scientific management system;3,to strengthen the fairness of existing mechanisms,improve the village bank operating conditions;4 increase government subsidies to reduce credit risk.