Study On Loan Credit Risk Management Of Hunan HR Rural Commercial Bank

In order to further promote the economic development of China's rural areas,rural credit bureaus in various provinces and cities of China began to develop towards rural commercial Banks in 2005.With the continuous expansion of the operation scale of rural commercial Banks,strong financial strength and good geographical position,agricultural commercial Banks have become an indispensable part of China's financial development.However,rural commercial Banks,mainly represented by counties,still have a long way to go from modern commercial Banks.Along with the continuous development of business,rural commercial Banks also face serious credit risks.But especially among them is the credit risk management after the last link in the credit risk management,it determines whether Banks can effectively guard against financial risks,to ensure the safety of Banks and customer assets and improve bank's own assets operation efficiency.At present,because the majority of bank understanding of credit risk management problem is still stay in the shallow level,in its operation and management too much emphasis on the expansion of the size of the loan,without better guarantee the quality of loans,credit risk management become a mere formality after failed to content,leading to "heavy light tube" and "after" heavy light before,assets hidden risks in the further.The in-depth investigation of the risk management problems after the loan can further improve its operation level,which is also conducive to the further healthy,stable,sustainable and effective development of the banking system.This article first summarizes the domestic and foreign scholars on the study of credit risk management after,according to the theory of information asymmetry,post-loan risk management theory as the foundation,puts forward the necessity of risk management after loan,then simply introduces the HR rural commercial bank credit management present situation,after finding out the credit risk management problems and reasons,mainly including post-loan risk awareness is not strong,post-loan management enforcement and post-loan early warning mechanism is not sound enough.Finally build optimization scheme,aiming at the above problems,respectively from the talent team construction,credit risk management information system construction,management of credit system,credit environment construction and transformation of credit construction to optimize HR agri-businesses bank credit system,it can further reduce the credit risk of bank,to make it run smoothly development.