A Village Bank Credit Management Borrow New And Old Analysis Of Patterns

In China,The financial market system,indirect financing is the main means of financing,and banks are the important institutions in the financing activities of enterprises.The bank's credit behavior directly determines how much money the enterprise gets and affects the development of the enterprise.At the same time,credit management ability determines the level of banking business,profitability,and even affect the survival and development of banks.As a form of business operation of commercial banks,borrowing new and returning old is used by banks as an important method to revitalize non-performing loans and control the balance of non-performing loans.as an important system of China's financial industry,borrowing new and returning old has played a pivotal role in the development of China's financial industry,especially in reducing the non-performing loan rate,improving capital adequacy ratio and other important indicators is indispensable.However,with the rapid development of financial globalization,the drawbacks implied by borrowing new and returning old are gradually highlighted.But it is not only risky but also prone to abuse.Based on this background,this paper aims to analyze the impact of borrowing new and returning old on banks,especially how to use the tool of borrowing new and returning old for small-scale rural banks with imperfect credit management system.Facing the credit risk brought by borrowing new and returning old,how can banks perfect their own management system and avoid risks so as to guarantee the quality of loans and avoid losses.This paper first clarifies the research background and significance,the development status at home and abroad,describes the main contents and methods,and puts forward the innovation and shortcomings of the paper.Secondly,it introduces the connotation of borrowing new and returning old,analyzes the causes and basic characteristics of this kind of credit behavior,establishes the behavior framework of bank borrowing new and returning old,expounds the information asymmetry and risk management theory,introduces the relevant laws and policies,and provides a feasible legal basis for the following research.The third chapter is the analysis of the specific case of a village bank.The analysis results show that enterprises can effectively reduce their loan pressure by borrowing new and returning old.As for banks,under the premise of risk control,also ease the emergence of short-term non-performing loans.It is also found that borrowing new and returning old may lead to the bank covering up the real quality of loans,delaying the best time to receive loans,causing overlapping credit risk,credit risk and other issues.chapter iv through the analysis of the causes of borrowing new and returning old,expounds the impact of borrowing new and returning old,and finally puts forward suggestions and measures.This paper proposes to strengthen pre-loan management,improve the quality of new loans,measure the needs of borrowers,as a basis for borrowing new and returning old,strictly borrowing new and returning old standards,as a basis for bank credit investigation,establish a perfect bank credit risk management mechanism and other measures,hoping to help rural banks effectively use the borrowing new and returning old,to control credit risk,to ensure the safety of funds.