Research On Credit Risk Management For Poverty Alleviation In Local Corporate Financial Institutions

The poverty alleviation credit is also called the poor credit for poverty alleviation,which is the financial services for poor people in poor areas and company can drive poor people get rid of poverty and become rich.Poverty alleviation credit is a strong policy oriented commercial credit.In the development course of China's financial support for poverty alleviation and development,the emergence and promotion of the small poverty alleviation credit.Making financial precision poverty alleviation become a feasible and effective way to help poor households to get rid of poverty and increase income.The rural credit system is the main force for developing small amount of poverty alleviation credit.While achieving good social benefits,it effectively alleviated the problem of loans for poor farmers.Rural credit cooperatives and rural commercial banks as local local corporate financial institutions which Developing agriculture related businesses is the foundation of rural finance.These years,the local corporate financial institutions have made great progress in promoting small credit businesses and performing their social responsibilities.In this paper,we choose Duyun rural commercial bank as the research object,comb out its poverty alleviation credit business process and management methods.Combined with poverty alleviation credit support object and the actual situation of the industry are analyzed.The analysis found that the credit risk management of Duyun rural commercial bank has problems in credit rating,risk assessment,post loan management and information management.In addition,according to the basic data of Duyun rural commercial bank's poverty alleviation credit business,we calculate the Risk adjustment of capital yield of the poverty alleviation credit.And optimize the RAROC value of credit business as the starting point.Suggestions for optimizing RAROC value are put forward from three aspects:strengthening credit default clearance,refining poverty alleviation credit management and optimizing capital allocation level.