A Research On The Optimization Of Credit Risk Management In The HC Rural Bank

Risk management is an eternal hot topic in such areas as economy,politics,and academic world.As for banking,it is also very important.Rural banks are the major component for its financial development,which is an innovative way to solve many existing problems in Cina,such as low covering of banking institutions in villages,insufficient to supply financial support and financial services.They play a positive role in activating the rural financial market and providing new approaches to rural financial supply.However,as they have been operated for just a short time,a brand-new form in rural financial organizations,they inevitably exist many problems.Before finally deciding the research topic of this paper,the theories relating to credit risk management,an on-the-spot investigation to the HC rural bank,and its management of the credit risk have been studied.The paper,making the HC rural bank as the research background and applying the way of discovering problems,analyzing the problems and finally providing solutions as the research method,aims to supply some advice and reference to the development of the HC rural bank.Firstly,theoretical aspects as credit risk and rural banks development are carried out.Then,a brief introduction to the general information of the HC rural bank and its credits business development has been made,including the flow chart of credits business,pre-loan investigation,risk management in loans,post-loan management,insurance mechanism,loan repayment methods.Finally,solutions to the existing problems of the HC rural bank are provided from such respects as pre-loan risk management,risk management in loans,post-loan risk management,credit risk control,creation of loan products and risk management support measures.The establishment of rural banks in China is not long,but it has developed rapidly.Because there are some problems in the business process,the problem of credit risk is more prominent.In this paper,through research on HC rual banks,the purpose of this study is to study the current status of the bank's credit business and current credit risk management issues and causes,and propose targeted credit risk management optimization programs to provide reference for other rural banks' credit risk management,so that the rural banks under the background of an era of rapid economic development,under the premise of stably andefficiently improving their own development capabilities,they will better drive the rural economy.