Research On The Optimization Of Credit Risk Management Of H Rural Commercial Bank

Finance plays an important role in the development of rural economy,the general secretary Xi Jinping at the fifth national financial meeting stressed that "we must build a financial system for inclusive finance,strengthen financial services to small and micro enterprises,'three rural issues' and remote areas,and promote Financial precision helps the poor and encourages the development of green finance.".It can be seen that rural finance plays an important role in the economic development and precise poverty alleviation in rural areas.It has great significance to improve the management level and service ability of rural financial institutions.For a long time,the rural credit cooperatives is the most important financial power in rural areas,play an important role in the reform of rural economic system in China,However,due to the restrictions on the management system and management level,rural credit cooperatives also have the problems of chaotic credit management,high level of credit risk,and low quality of credit assets.In the new period,the rural credit cooperatives in some areas completed the shareholding system reform with the help of the government,and gradually established rural commercial banks.However,after the completion of the reform,the credit management level of some rural commercial banks has not been fully promoted.The support help of the government has also concealed the quality of credit assets to a certain extent.The problem of bad assets left behind by history and the low level of credit management still restrict the development of some rural commercial banks,The frequent occurrence of risk events has already rounded the alarm of large area loss.If this trend is allowed to develop,it will inevitably affect the economic and social development of rural areas.H rural commercial bank is a county financial institution with 53 business institutions,and completed the establishment of commercial banks in 2013.In 2016,the size of the deposit broke through 9 billion yuan,the scale of the loan was 5 billion yuan,and the scale of the deposit and loan was about 40%of the county's financial business.It was the largest financial institution in the H county,and the main business types of H Rural Commercial Bank are deposit and loan business,and interest income is its main source of income.H rural commercial bank has been faced with serious problems of credit asset quality,and the level of credit risk management is relatively low.This paper conducts in-depth analysis and research on the risk management of H rural commercial banks,and has a certain representation.This paper not only provides targeted suggestions for the construction of a sound credit risk management system for H rural commercial banks,but also provides new research ideas for improving the credit risk management of all rural financial institutions and enriches their credit risk management methods.First,this article defines the concept of credit and credit risk,elaborates the basic theory of credit risk management,reviews and sorts out theoretical achievements and literature on credit risk management at home and abroad,and theoretically demonstrates the importance of commercial bank credit risk management.Provide theoretical support for analyzing and solving problems later.Secondly,the overall situation of credit risk management of H rural commercial banks was introduced from the three aspects of the development history of H rural commercial banks,credit business development,and credit risk management development,and then from these basic information,find the problem of credit risk management of H rural commercial banks.In view of the special circumstances of H rural commercial bank's special business environment and the heavy burden of bad assets left over from history,this paper analyzes the causes of these credit risk management problems,and lays the groundwork for putting forward countermeasures and suggestions for improving the credit risk management system of H rural commercial banks.Finally,specific and targeted measures to optimize the credit risk management of rural commercial banks in H are presented,and the full text is summarised,providing a reference for rural financial institutions with short restructuring time and low level of credit risk management.In addition,H rural commercial banks,as the largest financial institution in the county,should play their main role in local economic development and control the size of bad assets so as to fundamentally improve their competitiveness and expand the scope and scope of services.