Analysis On Credit Risk Prevention And Control Management Of Village Banks

As a large agricultural country,China's rural economy plays a fundamental role as a stabilizer in the whole national economic system,Rural finance,as a substantial and forward-looking support in the development of rural economy,plays a more and more important role in the construction of new socialist countryside,the transformation and upgrading of agricultural production and the fight against poverty of farmers.As a special financial institution serving county and village,village bank is the most important form of rural finance.After more than 10 years of development,village banks have made great progress towards maturity after the initial stage,which plays an important role in activating the rural financial market,breaking down the financing barriers of rural small and medium-sized enterprises and perfecting the supply channels of rural capital finance.But the growing village banks are not mature enough,There are not only the common problems in our commercial banks at the present stage,but also the individual problems.The credit risk management level is low,the credit asset is not good,and the credit risk is outstanding is the biggest challenge that the village bank faces.Therefore,this paper takes village bank as the main research subject.First of all,this paper analyzes the status quo of the development of village banks in China and summarizes the credit risk management of village banks in China.Focusing on the basic process and specific performance of credit risk management and prevention of village bank,this paper discusses the credit risk management prevention and control of village bank from the aspects of credit risk identification,measurement and testing,and provides relevant theoretical support for the whole thesis.Secondly,the article takes the first village bank in Hebei province--Z village bank as an example to expound the basic situation of the development of Z village bank in Hebei province,And on this basis,deeply analyzes the status quo and characteristics of credit risk management of Z Village Bank,explores the effective exploration in credit risk management of Z Village Bank,and provides reference for us.Finally,this paper analyzes the problems that still exist in the credit risk management of Z Village Bank,dentify the underlying causes of these problems.Further put forward the practical countermeasures that can be landed,improve the Z village bank credit risk prevention and control management.In order to promote Z village banks to take an efficient,stable and orderly way of credit risk management,and provide some useful reference for the prevention and control of credit risk management of village banks in Hebei Province.This paper analyses the credit risk prevention and control management of village bank,especially the case of Z village bank of Hebei Province,analyzes the effective mode and existing problems in the credit risk management process,and puts forward effective countermeasures to the problems.This has directly strengthened the credit risk management of Z Village Bank,and helped Z Village Bank to control its credit risk and keep on developing well,At the same time,the effective model of credit risk prevention and control of Z Village Bank is extended to solve the common problems existing in the credit risk management of Village Bank in Hebei Province,in order to guide the credit risk management of Village Bank of Hebei Province and make it serve the development of Rural Agriculture in Hebei Province.