Research On Credit Risk Management Of Rural Commercial Banks

In 1985,the Bank of China issued the first credit card in China,which opened the development of credit cards in China.After more than 30 years of development,China's credit card industry has grown rapidly from zero to a huge market with 659 million card issuance,and continues to show rapid growth.With the gradual implementation of the rural revitalization strategy,the degree of agricultural modernization has gradually improved,the infrastructure has become more and more complete,and the gap between the rural per capita income level and the income level of urban residents has become smaller and smaller,and the farmers' consumption concept has been greatly improved.The credit card business in rural areas has just started,and the market potential is huge.The credit card business of many commercial banks has also gradually shifted to rural areas.It is of positive significance for rural commercial banks to carry out credit business to tap the potential of rural domestic demand,improve the local bank card acceptance environment,improve the rural credit system,and promote the development of rural urbanization.However,for many rural commercial banks,the credit card business is a brand new business.There is no experience for reference,and there is not enough talent reserve and technology support.In particular,the development of credit cards in rural areas is also facing the challenge of different cities:agriculture is a weak industry,farmers' income level is not high,risk resistance is poor,rural credit environment is bad,etc.These factors also increase the bank to some extent.Risk of operating a credit card.How to improve the credit risk management ability of rural commercial banks is of great significance to promote the healthy development of credit card business in rural areas.From the perspective of the combination of theory and practice,this paper first expounds the status quo of credit card risk research at home and abroad,credit card risk characteristics,classification and related risk management theory,including the concept and characteristics of risk management.Then it introduces the general situation of credit card business in China and the problems existing in credit card risk management in China.Analysis of the particularity of credit risk in rural commercial banks in China.Taking D rural commercial bank as an example,this paper analyzes the problems and causes of credit card risk manageagement of small and medium-sized banking institutions in other rural areas.ment.On this basis,it puts forward some countermeasures and suggestions to optimize the risk management of rural commercial banks,in order to provide reference for credit risk man.