Research On Credit Risk Management And Countermeasures Of Y Rural Commercial Bank

In recent years,our country rural commercial bank after the original joint-stock reform of rural credit cooperatives,has been gradually from weak to strong,but because of the problems left over by history and the causes of backward management concept,rural commercial bank credit risk gradually exposed in recent years,its basic reason is the credit risk management system is imperfect,risk management implementation does not reach the designated position.At the present stage,the net interest margin generated by the credit business is still the main source of profit for rural commercial banks,and the credit risk caused by the non-standard credit business management has also become the main problem faced by rural commercial banks in recent years.It is an urgent problem for rural commercial banks to explore a set of risk management system suitable for their own credit business under the pressure of comprehensive and in-depth financial reform and interest rate liberalization in China.This paper takes Y Rural Commercial Bank as the research object,analyzes the current situation and defects of the existing credit business risk management of rural commercial bank,lists real cases,and puts forward improvement Suggestions for existing problems.The paper consists of five parts.The first part is the introduction,which mainly introduces the background and significance of bank credit risk management,elaborates the research methods for the credit business risk management of Y Rural Commercial Bank,and introduces the development history of various theories of credit risk by domestic and foreign scholars,the connotation in different periods,and the research results and main viewpoints obtained at present.The second part introduces the main content of credit business,and expounds the basic theories related to credit risk management of commercial banks from the aspects of connotation,classification,characteristics,management process and risk indicators,etc.,to provide theoretical support for the following research.The third part firstly extracts and analyzes the current situation of the credit business of Y Rural Commercial Bank.Combining with the current risk management situation,it emphatically selects several representative cases of real non-performing loans for in-depth analysis,and then explores the existing problems in the credit risk managementsystem.The fourth part proposes corresponding optimization countermeasures for the problems existing in the credit business risk management system of Y Rural Commercial Bank from the aspects of internal environment construction,establishment of functional departments,risk warning system,post-loan management system,inspection and audit,credit business accountability and incentive.The fifth part is the conclusion of this paper,which summarizes the main research work of this paper,states the conclusions obtained from the research,and puts forward the deficiencies of this study in combination with the actual situation.