Research On Credit Risk Management Of Bank Business In Jilin Fengman Huimin Village Bank

Jilin Fengman Village Bank refers to the development of rural and rural economy mainly by local and foreign financial institutions,non-financial institutions and domestic natural persons funded by China Banking Regulatory Commission in accordance with relevant laws and regulations,and established in rural areas.Banking financial institutions that provide financial services.Rural Bank is different from the branches of commercial banks,is a legal entity.It can be seen that the rural banks have the same high risk characteristics as the general commercial banks,of which credit risk is one of the major risks of rural banks.Since the types of rural bank banking are relatively single and the interbank business is its core business,how to manage the credit risk of the interbank business is the top priority of the bank.The author takes Jilin Fengman Huimin Village Bank as the research object.By using literature research method,interview investigation method,consulting a large amount of literature and conducting a long-term field investigation on the status quo of the bank,the author finds that the bank's current inter-bank business only carries out the deposit with other banks.For prevention and control of credit risk in interbank business,the bank established a franchise department to set up inter-bank business processes and set up a risk investigation team to regularly conduct risk investigation.Nonetheless,the bank still has the disadvantages of its inter-bank business risk management,namely,the choice of counterparty is not clear,interbank credit and approval are mere formalities,the operating procedures of inter-bank business are not standardized,and risk control is not targeted.The author analyzes the causes of the disadvantages of the inter-bank business risk management of the bank: the understanding of the inter-bank business is not in place,the supervision system is not perfect,the limitations of small-sized banks and the scarcity of talents are all.Therefore,the author puts forward four suggestions of setting up adversary admittance mechanism,establishing interbank credit approval and approval management system,standardizing inter-bank business operation flow and targeted risk management,hoping to improve the credit risk management of the existing inter-bank business of Jilin Fengman Huimin Rural Bank So as to improve the credit risk management level of its interbank business and make its business develop steadily.At the same time,I hope to play a leading role in the credit risk management of other banks in rural areas.