Analysis And Countermeasures Research On Loans Of Lanling Rural Commercial Bank

Finance is the core of modern economy,and the rural commercial banks are the backbone of China's financial system.Since the implementation of China's market-oriented interest rate,with the vigorous development of the rural economy,the per capita income of residents substantial increase,residents of service demand of banks and other financial companies is more and more urgent and formed for a long time in the rural area of our country financial system simplification and immature all contributed to the rural financial network will continue to supplement and perfect,as the main force of the rural financial system more in need of strengthening management in order to meet the demand of the development of rural economy and rural finance need.Rural commercial banks mainly to operate deposits and loans and payment of the way to achieve profit margins,which accounted for the vast majority of loan interest income.However,due to the risk of loans from the bank intervention,only through the prediction and supervision to determine the risk and reduce the risk of.This article reviews the Lanling County Rural Commercial Bank as an example,based on the domestic and foreign loan risk management theory,through comparative analysis,literature analysis method,the combination of theory and practice conducted in-depth research on the Lanling County Rural Commercial Bank loan risk,according to the current situation,commercial bank loans Lanling credit asset management situation analysis,respectively.The causes of the credit risk from two aspects of internal and external environment on the basis of the bank,then summarizes the domestic and foreign commercial banks in Taizhou commercial banks in the loan risk prevention and control experience,gives the specific scheme to improve the risk control mechanism of rural commercial bank loans Lanling improved,namely from loans to improve risk prevention awareness,innovation loan risk prevention means of internal control mechanism to improve the credit risk,pay attention to credit investigation credit customers,increase bad loans To continue efforts to dispose of and so on,can the credit business healthy and orderly development of escort.