Research On Credit Risk Management Of BZ Rural Commercial Bank

Since our country to deepen the reform of rural cooperative financial institutions,especially in recent years,efforts to support the "three rural" country is unprecedented,followed by China’s rural cooperative financial institutions continued to increase the size and the number of rural commercial banks showed an upward trend year after year,the total amount of loans has also increased,the size of the total assets continued expansion of the rural commercial bank has already become China’s banking financial institutions an important part in the economy of our country,especially plays an indispensable role in the process of rural economic development.This paper through collecting the literature on credit risk management,using the method of document analysis,draws the basic research ideas,choose the credit risk management of BZ rural commercial bank as the research object,adopts the case analysis method to collect the credit risk management of BZ rural commercial bank case,then analysis and deductive method research and find out the existing credit risk the management of BZ rural commercial bank,as an antidote against the disease through a combination of qualitative and quantitative,find a solution.Based on the previous research,the paper puts forward the Countermeasures of BZ rural commercial bank credit risk management.In this study,first introduced the economic background of the complex,from the bank’s credit risk point of view,elaborated the credit risk management theory and practice;through collecting the literature on credit risk management,as the strong support of knowledge;summed up the basic ideas of this article and the main conclusions,research framework for this method,and the definition and explanation of necessity,put forward the innovation of this paper.The second is the theoretical basis of thesis writing.Mainly from the meaning and content of credit risk management,the theoretical basis of its formation is summarized,and the key part is briefly described.Thirdly,it analyzes the credit risk and its source of BZ rural commercial banks.This paper analyzes the problems existing in the credit risk management of BZ rural commercial banks and the main reasons for the formation.Then it puts forward BZ rural commercial bank credit risk management optimization improvement scheme and implementation guarantee,specifically expounds the optimization improvement program objectives,principles,methods and corresponding implementation measures.To complete the BZ rural commercial bank credit risk management problems comb,find out the root cause of the problem,for BZ rural commercial bank credit risk prevention and management to provide theoretical reference.