Research On Credit Business Risk And Countermeasures Of Xiushui Rural Commercial Bank

In recent years,the development of the socialist market economy has changed the development model of China's banks,and the reform of commercial banks has further accelerated.As a major profit channel for commercial banks,credit risk has become one of the core risks of commercial bank policy development.The credit risk of commercial banks indicates that under the interference of various unknown factors,there has been a large deviation between the actual results of the bank's credit business and the target,and this has caused significant losses to the banks.The existence of credit risk not only affects the normal operation and development of commercial banks,but also has a serious impact on China's macroeconomic development.Against this background,it is particularly important to improve the ability of commercial bank credit risk and enhance the ability to resist external risks.This is also the key to the rapid development of commercial banks.Compared with urban commercial banks,rural commercial banks have more acute conflicts in all aspects.Constrained by the backwardness of the economic environment and the lack of education and cultural level in rural areas,it is more difficult for rural commercial banks to carry out their businesses and the risks they assume are even higher.Xiushui County is the county under the jurisdiction of Jiujiang City in Jiangxi Province.It is the largest area in Jiangxi Province and the most populous county in Jiujiang City.Studying the credit risk and countermeasures of commercial banks in Xiushui rural areas has certain role in a certain sense.This article first introduced the necessity of preventing the credit business risk of rural commercial banks,and then discussed and discussed relevant domestic and foreign related research on credit risk prevention.Afterwards,the related concepts,policies,and theoretical research results of credit business and credit risk were discussed,which provided a theoretical basis for the following research on commercial bank credit business risks and preventive countermeasures.According to the analysis of the current situation of the risk prevention and control of the credit business of the Xiushui Rural Commercial Bank,a corresponding improvement proposal is proposed for the business risk of the Xiushui Rural Commercial Bank.The use of these methods can,on the one hand,improve the theoretical level of risk prevention for rural commercial banks to a certain extent,and on the other hand,it can also help to improve the business management level of rural commercial bank credit business,which has theoretical value and practical significance.