Research On Credit Risk Management In X Branch, Agricultural Development Bank Of China

As a product of the market economy,the risk has penetrated into all areas of economic development.The issue of credit risk management has been broadly running through bank's credit management,both for commercial banks and for policy banks.Agricultural Development Bank of China(hereinafter referred to as " ADBC")is funded by the state,backed strongly by the government,but this does not mean that there is no need to manage and research the credit risk.Clearly,policy banks are also banks.Even ifbusiness objectives of policy banks is not to maximize profit,it also emphasizes the liquidity,security and effectivenessof credit assets.Thus,preventing and resolving risk is its eternal theme.This study is based on the author's experience worked in the X Branch of ADBC and theory studied in MBA of University of Electronic Science and Technology of China,the domestic and foreign research theory and the credit business operating conditions in X Branch of ADBC.Firstly,through the statistical analysis of the credit assets quality of X Branch of ADBC,the characteristics of credit assets of X Branch of ADBC are expounded.By combining the field research with the theory,the case of non-performing loans in X Branch of ADBC is taken as the pointcut.It aims toresearch and analyze the problems that have arisen in credit risk management and the causes of the problems in X Branch of ADBC.Finally,this paper puts forward the strategies of perfecting the credit risk management of X Branch of ADBC from six aspects,including implementing thewhole-process management of credit risk,optimizing the disposal mode of credit risk,strengthening the professional team constructionof credit risk management,establishing the "three-hook" incentive mechanism of credit risk management,increasing the flexibility of credit risk management policy and simplifying the credit risk management process.The author hopes that this paper can provide theoreticalreference for promoting the healthy,stable and sustainable development of X Branch of ADBC,and help Agricultural Development Bank of China currently in the transition to add some analysis in the case of non-performing loans of credit risk research.