Agricultural Development Bank,medium And Long Term Project Loan Risk Management Research Of Credit With The Bank W Branch As An Example

The development of rural economy is the key to social progress and development in our country,with the development and the progress of the society,the development of rural economy of the state,give a high degree of attention,the development of rural economic role of the main,in order to solve the problem of economic demand in rural development,the development of the bank in China is very fast,as the change of national macroeconomic policy and financial policy.In order to promote the bank to further play to the functions,to further promote the process of our urbanization,make the process of the development of economy in our country application more rapid development.The bank W branch has been rapid development,and according to the need of rural economic development of urbanization,opened a lot of new businesses,the local agricultural modernization and new rural construction provides a great help,more accurate,in place of the urbanization development strategy implementation.The bank in the process of development,with the commercial Banks have great difference,the bank loan business of it has a lot of preferential treatments in respect of the interest rate,this is in order to better promote the development of rural economy and expand,and the bank has a national credit as the foundation,through a variety of financial instruments,to carry on the operation and management,provide more help for the implementation of the policy of agriculture,rural areas and farmers.Due to the bank's long-term project risk is bigger,especially the credit risk is very outstanding,it's not good for the development of the bank.So this article W branch in the research process of the bank medium and long term project loan credit risk management present situation,for the medium and long term project loans the bank branch summarizes the deficiency existing in credit risk management,combined with the present situation of the development of urbanization,puts forward the urbanization situation long-term project W branch of the bank loan credit risk management improvement suggestion.Long-term projects in the hope of improving the bank credit risk management present situation,and through the development of the policy to promote the advancement of urbanization.This paper in the course of the study,from urbanization perspective of agricultural issue w branch in the process of development and long-term project loan credit risk management present situation understanding,on the in long-term project loans credit risk management existing problems were summarized in this paper.In the Agricultural Development Bank w branch of the development situation understanding,combined with the current situation of the development,for better improvement of agricultural issue w branch of medium and long term loans credit risk management put forward corresponding suggestions,from the perspective of the management of the bank,credit risk system,credit rating system and government of external environment proposed recommendations for improvement,and hope to be able to make farming issue a better promote the development of urbanization and the rural economy of our country in a short period of time to get better development.