Research On Credit Risk Management Of Village And Township Banks

As a supplement to commercial banks,village banks appear in the background of building a new socialist countryside,and serve as an important economic assistance institution in the rural revitalization plan.In recent years,China has gradually relaxed the access threshold for financial institutions,the financial institutions to enter the rural market and also provide a variety of policy support and encouragement,so rural banks get a rapid growth in a relatively short period of time,and constantly enrich and improve the rural financial market China.As a new type of rural financial institutions in rural banks,effectively compensate for the large commercial banks to be involved in the market and in the field,but because of its particularity in the management still exist many problems,there are fewer outlets,low level of service,financial products are not comprehensive and other defects,great influence with the development of the rural banks and market competitiveness.At the same time,the biggest challenge faced by rural banks is credit risk,because in the production management,there are some loopholes in management,and rural banks can stable operation,but also a matter of tackling poverty in rural areas can be realized,but also the relationship between the stability and harmony of rural areas,the rural banks should strengthen the research on credit risk,combined with the actual in their own operating conditions,so as to improve the level of credit management,to provide more support for the development of rural finance.Therefore,the rural bank as the research object,around the village banks in the development of the actual operating conditions,determine the existence of village banks in the credit problems and risks,and puts forward the effective prevention and control measures of risk,to provide effective reference for similar bank.This paper mainly through the theory and empirical research methods,from the theory,the theoretical foundation for the development of rural banks,rural banks and ZT is selected as the object of study,through combing the development process of ZT bank,and the current operating conditions,data and credit data of ZT rural bank financial collection and analysis,analysis of the current ZT village banks may exist in the development of the credit risk,and points out that ZT village banks exist in the credit problems in the development of targeted from the credit management system of credit risk management organization,put forward measures and methods of credit risk avoidance and other aspects,to improve the ability of ZT village bank against credit risk,promote the healthy and rapid development of ZT village bank,improve the market competitiveness.