Research On The Loan Risk Management And The Disposal Of Non-performing Loans Of Rural Commercial Bank

Since 2014,it is obvious that the overall economy is in L-shaped trend and there is no big change in market environment in various industries,the effective demand has not been significantly improved,credit risk continues to rise,bank non-performing loans continue to be exposed.As a small and medium-sized financial institution,especially a rural commercial bank,it is a major issue for the bank to know how to improve risk management capabilities and enhance the level of risk control.In 2016,JY Rural Commercial Bank,WX Rural Commercial Bank,WJ Rural Commercial Bank,CS Rural Commercial Bank and ZJG Rural Commercial Bank are landing the A-share market.As a new force of listed companies,the asset quality will directly affect the stock price.Through the analysis of the loan risk management and adverse disposal status,problems and solutions of JY Rural Commercial Bank,it will promote the strategic adjustment and business operation in the late work.This paper is divided into five parts.In the first part,the background and significance of the research are expounded;the combination and summarization of domestic and foreign documents provide ideas and methods for the research.The second part introduces the connotation of bank risk management,the credit risk and operational risk under Basel New Capital Accord,analyzing the loan risk management and expounding the practice of JY Rural Commercial Bank in the comprehensive risk field.This part analyzes the causes of non-performing loans by using PEST method,game theory,vulnerability theory and customer relationship theory,and provides theoretical support for the study through risk management theory and nonperforming loan theory.The third part introduces the general situation and risk management system of JY Rural Commercial Bank,and analyzes the current nonperforming loan data and disposal path,and confirms the current situation.The fourth part puts forward the problems and difficulties in the risk management and bad disposal of JY Rural Commercial Bank.The fifth part presents innovative research and solving methods of the problem.Through the research of this paper,the author has got an all-round understanding of the process,system and risk of JY Rural Commercial Bank and puts forward innovative ideas and solutions to the problems and difficulties encountered in risk management and disposal of non-performing loans.Combined with loan risk management theory,there are higher requirements in risk control management of JY Rural Commercial Bank,which are bound to promote the development of the businesses in JY Rural Commercial Bank,as well as provide reference recommendations for the development of other rural commercial banks.