Research On Credit Risk Management Of Rural Commercial Banks

Credit risk management is the core of commercial bank management,but also the weak link of China's financial management.Rural commercial banks mainly serve the rural economy,agriculture-related business is its main business content,on the whole,China's rural commercial banks asset quality is not high,the specific performance of the bad loan rate was significantly higher.Rural commercial banks are an important force to promote rural economic construction.In the rural financial reform gradually deepening today,with the help of government forces,starting from their own,from the internal focus,increase the rural commercial bank loan management and risk prevention research,The smooth progress of rural financial reform is of great significance.This paper takes Daxinganling Rural Commercial Bank as an example to analyze the problems and causes of credit risk management in rural commercial banks,and puts forward some countermeasures and suggestions to improve the credit risk management level of Daxinganling rural commercial banks and strengthen to other rural commercial banks Credit risk management to be useful reference and reference.On the basis of defining the connotation of credit risk management and summarizing the theory of credit risk management,this paper summarizes the current situation of credit risk management of commercial banks in China,and analyzes the causes of credit risk.Secondly,Daxinganling Rural Commercial Banks are used as examples to analyze their credit Risk management status and existing problems;Finally,the rural commercial banks to effectively manage the bank and reduce the risk of credit comments and suggestions.The reason why the credit risk of rural commercial banks is mainly due to the lack of effective and sound management mechanism for the credit business banks.The internal control mechanism is also weak.The method of assessing credit risk is simple and rough,but only subjective analysis method and The traditional financial indicators to determine the credit risk,the lack of control of the entire loan process.This paper focuses on the actual situation of rural commercial bank credit in Daxing'anling,draws lessons from the current research results,puts forward some countermeasures and suggestions,including:to build a perfect internal control mechanism,to create a good environment in internal control,strengthen internal control;establish an effective credit risk Identify and evaluate the system,strengthen the overall risk management agency status,improve the credit risk assessment technology;strengthen personnel training and credit culture construction,develop job standards,the implementation of the survival of the fittest,strengthen business knowledge training,improve professional quality;optimize the loan environment,Loan credit environment,innovation loan guarantee system,reduce administrative intervention;optimize the structure of credit assets to ensure the quality of assets;increase the county customer structure adjustment efforts.