W Agricultural And Commercial Bank Credit Risk Management

At present,the report of the 19 th national congress of the communist party of China proposes to implement the strategy of rural revitalization and activate the vitality of rural economic development.In this context,strengthening the reform of financial system in agriculture,rural areas and farmers has become one of the most important driving forces to promote the development of China's rural economy.As a financial institution specialized in the construction of agriculture,rural areas and farmers,rural commercial banks are the main force in the development of China's rural finance.Especially the local rural commercial banks play a very important role in promoting the development of local rural economy.However,on the other hand,the development of China's rural economy is now in a critical period of great changes.Affected by the constantly changing domestic and international economic situation,rural economic reform is also facing severe challenges.As one of the direct financial forces serving the development of rural economy,rural commercial banks have to bear huge credit risks in the process of participating in rural economic development.As is known to all,China's rural business is established on the basis of the rural credit cooperatives,its commercialization reform time is late,relative to other commercial Banks.Rural commercial Banks started lately in internal control management and risk management system construction,which made many rural commercial banks having problems in credit risk management in the process of participating business activities.Of course,it is undeniable that in recent years,many local rural commercial banks have made great progress in the construction of credit risk management system.However,the development of the financial market under the market economy system is rapidly changing,in order to adapt to the current changing financial development situation,we must strictly implement the credit risk management of banks,in order to ensure their credit security.In this paper,W rural commercial bank in Jiangxi province is selected as the research object.By investigating risks,W rural commercial bank is a representative rural commercial bank restructured from rural credit cooperatives.Its development has the characteristics of general rural commercial banks.Therefore,the author specifically analyzes the actual situation of credit risk management of W rural commercial,uses the relevant theories of credit risk management of commercial banks to discuss some problems existing in the credit risk management of commercial banks in China,and tryto find the causes of the problem.On this basis,this paper proposes some measures to improve the rural commercial bank credit risk management.Specifically,the main content of this paper includes the following parts: the first part is the introduction;the second part is the concepts and related theories of credit risk management of commercial banks.The third part is the analysis of the current situation of credit risk management of W rural commercial bank.This chapter is the focus of the whole paper,analyzing the problems existing in the credit risk management of W rural commercial bank.The fourth part is the cause's analysis of the credit risk management problems of W rural commercial bank,including external causes and internal causes.The fifth part is the countermeasures and suggestions for improving the credit risk management system of W rural commercial bank.The last part is the conclusion of the whole paper.