Research On Risk Control System Of Changchun Erdao Rural Commercial Bank

From the introduction of the relevant policies of the national rural bank in 2007 to 2017,the rural bank of China has experienced a decade of development.In the past decade,rural banks have mushroomed all over the country,filling the gap of rural financial institutions,and greatly relieving the financial pressure in rural areas: for example,poor channels of financing,a large number of effective capital outflow,farmers and small and medium-sized enterprises can not meet the needs of capital,farmers and small and medium-sized enterprise owners have played a positive role in promoting the effective development of the " three rural" economy.However,rural banks,after all,is a new born financial institutions,with the passage of time,continuous rapid development,but also let the rural banks face more risks,whether the managers of rural banks or village banks operators,are lack of sufficient management experience,risk awareness is weak,and did not establish an effective and perfect financial risk mechanism,the effective development of rural banks there is a huge hidden danger.Therefore,a set of scientific and effective risk prevention and control system is the key factor to resolve the risks of rural banks,but also to solve the main problems facing the current.Taking the risk prevention and control of Changchun erdao rural commercial bank as the research object,this paper analyzes the internal and external environment of Changchun erdao rural commercial bank through literature analysis,field visit and other methods,analyzes the problems and reasons existing in the risk prevention and control of Changchun erdao rural commercial bank,It was found that the prevention and control of risk of Changchun erdao rural commercial bank were faced with a series of problems such as the unsound mechanism construction,the less experienced employees,the single department establishment,the backward technology and technology,the imperfect system of performance incentive and so on.The problems in these work make Changchun erdao rural commercial bank faces the hidden dangers of liquidity risk,credit risk and operational risk.Based on the above issues,the investigation and analysis of the various businesses and routine work of the Changchun Erdao Rural Commercial Bank was conducted.By analyzing the internal and external factors that affect the risk prevention and control of the Changchun Erdao Rural Commercial Bank,a risk prevention and control system organization structure was finally proposed.And management processes,and put forward suggestions for improving risk management mechanisms,strengthening the management functions of the “three meetings and one floor”,improving the mechanism for authorizing checks and balances,optimizing the external development environment of banks,strengthening internal risk management,and strengthening the quality of employees.These suggestions will help Changchun Erdao Rural Commercial Bank formulated a practical prevention and control system,strengthened risk management,and achieved long-term,sustainable and healthy development.