Study On The Credit Risk Management Of Village Banks

For a long time,our country rural area lags far behind of economic development and the gap between countryside and city is widening.Solving the problem of agriculture,rural areas and farmers is the key issue of building a harmonious society.Rural areas have difficulty in attracting capital effectively,Fund problem hinders agricultural rural economy development.The rural financial service average cost is high.The financial industry runs a high risk in the rural area and has low profitability.Therefore,effectively accelerate the process of financial development of rural areas is the key to solve the problem of agriculture,rural areas and farmers.Pointed out in the report to the 19th:implement the strategy of rejuvenating the country,bring up a team of agriculture,rural areas and farmers who understand agriculture,love farmers and the rural.Rural financial support has become a top priority.As an effective institutional arrangement for rural finance,development of village Banks has become a sign of a new round of institutional change,rural finance in China is also the success or failure at the core of the rural financial reform in our country,but also the inevitable requirement of rural economic development in China.Tianjin xiqing CDB village Bank was founded in 2012.Adhering to the market positioning of supporting agriculture and small enterprises,it has developed into a certain scale gradually distinctive service small Banks,become new forces of service to agriculture and small enterprise,also is the important component of the local rural financial service system after 6 years.Because the city is economically developed,the development process of village Banks in tianjin region face many specific problems,such as the unique rural financial environment of the region,white-hot banking competition pattern.But like village Banks in other areas,they also face many common problems,such as information asymmetry,insufficient policy support,few sources of credit,target market positioning is prone to deviation,public awareness is low and the target market positioning is easy to deviate,and the limited risk control capability.This paper focused on the investigation of Tianjin Xiqing CDB village Bank,taking its credit risk management as the research object.The first part elaborated the research significance of the paper selected topic background,domestic and foreign scholars study of credit risk management were reviewed in this paper,the research content and research methods,for the paper later.The second part summarizes the basic theory of village bank,introduces the regulation and mode of the credit business of village bank in our country,and analyzes the form and formation reason of the credit risk of village bank in our country.The third part analyzes the present situation and existing problems of credit risk management of village banks in China,and enumerates two typical examples of village banks.The fourth part is focused on the operation of Tianjin Xiqing CDB Village Bank credit.The present situation and cases of risk management are analyzed in detail,and the problems of credit risk management are put forward.The fifth part puts forward the suggestions and measures to improve the credit risk management level of village banks.