Research On Credit Risk Prevention And Control Of Small Loans Of ZZ Rural Commercial Bank

In recent years,China's economy has been steadily developing its economy steadily,its market vitality has been effectively released,its competitiveness in the financial market has been constantly enhanced,various financial institutions have been scrambling to optimize their services and innovative financial products have sought to occupy a larger financial market.The credit cooperatives,which aim at serving agriculture,rural areas and farmers,have also made every effort to promote banking reform.Most of the credit cooperatives have completed bank-based restructuring.ZZ Rural Commercial Bank,an early restructuring company in Shandong Province,Rapid occupation of the rural market,according to the characteristics of agricultural management to launch loans for farmers products,mainly microfinance financial products.However,the market environment has been unpredictable for some time and the downward pressure on the economy has increased.Coupled with the unsound credit system in some rural areas,ZZ Rural Commercial Bank has a high non-performing loan ratio.On the one hand,there are historical unhealthy loans.On the other hand,Assets,on the other hand,are also more likely to be bad loans in new loans.The fundamental reason is that the prevention and control mechanisms for the credit risk of small loans are not sound.This article from the credit business practice point of view,and strive to solve ZZ rural commercial bank's ability to control the weak wind problems.This paper first studies the basic theory of credit risk of micro-loans and defines and describes the concept,characteristics and manifestations of the credit risk of micro-loans.Secondly,it analyzes the basic conditions of ZZ rural commercial banks and the status quo of credit risk prevention and control,and finds out the weaknesses in it.According to ZZ again commercial bank's operating characteristics,analysis of the causes of weak wind control.Finally,some suggestions on improving the credit risk prevention and control mechanism of ZZCB are put forward.