Research On Credit Risk Management Of Rural Commercial Banks Take Guizhou Huaxi Rural Commercial Bank As An Example

In recent years,as one of the main services provided by rural commercial banks,credit business can not only effectively strengthen the flow of funds in the region,but also increase the profitability of the banks themselves.However,the credit risks the credit business produces will has huge impacts on the economic development of our country and the normal of the agricultural commercial banks themselves.Therefore,the focus of attention of commercial banks in China is how to improve the credit risk management level of agricultural commercial banks and reduce credit risk,Based on the information asymmetry theory,credit rationing theory and comprehensive risk management theory,this paper studies the current situation of credit risk management from aspects of non-performing loan rate,capital adequacy rate and reserve coverage rate of commercial banks in China,and then takes GuizhouHuaxi Rural Commercial Bank as a model.The analysis of insurance and quality,organizational structure and other aspects found that the bank's credit risk is high,then finally put forward relevant suggestions from the optimization design of GuizhouHuaxi rural commercial bank's credit risk management system and improve the level of credit risk management.This article is mainly divided into five chapters.The details are as follows:The first chapter mainly introduces the background and significance of the rural commercial bank credit business,research methods and contents and possible innovations.The second chapter introduces the related concepts of rural commercial banks and credit risk,and then expounds the information asymmetry theory,comprehensive risk management theory and credit rationing theory,and other related theoretical basis for further explore the credit risk management of agricultural commercial banks.The third chapter analyzes the current situation of credit risk management of Huaxi Rural Commercial Bank in Guizhou,mainly introduces the specific situation,credit risk and quality,organizational structure,types of credit business,credit risk management process and credit risk management system and then analyzes the problems of credit risk management of the bank.The fourth chapter puts forward the design of optimizing credit risk management system combining with the problems of credit risk management of Huaxi rural commercial bank in Guizhou.The fifth chapter combines the problems of credit risk management of Huaxi rural commercial bank in Guizhou,and puts forward some suggestions to improve the level of credit risk management.