Research On Credit Risk Management Of Rural Commercial Bank In G City

In recent years,with the gradual progress of China's new rural construction and the active deepening of the financial system reform,the development of China's financial industry has brought broad opportunities and challenges.Rural commercial Banks,as an indispensable part of China s financial institutions,have gained relatively broad development space in China s financial industry by virtue of the country's strong support for rural finance and rich resource advantages of rural market.At the same time,as a traditional rural financial institutions,all kinds of problems exist in the process of its development is also growing,such as work business is relatively single,main business is still mainly on credit business,lack of comprehensive talents,staff degree is not high,management ability and management level is relatively low,can t afford a larger risk,etc.,the existence of a variety of risk is bound to threaten its healthy development,must take the necessary measures.Credit risk is the most important risk faced by commercial banks.It is very important for rural commercial Banks to manage credit risk well.Under the great tide of the study on the rural commercial bank credit risk management in our country,this article first elaborates the purpose and significance,ideas and methods of the bank credit risk management research,as well as the studies both at home and abroad,then introduces the process and characteristics of credit risk management of commercial bank together with the relevant basic theory,and then set G city rural commercial bank(hereinafter referred to as "G city bank"),a local bank,for example,investigates and describes the basic situation of G city bank,the present situation of its risk management,by combining with the results of relevant experts and scholars at home and abroad,and its own working practice,as well as the actual case in G city bank credit work.This paper analyzes the existing problems in credit risk management of G city bank,including low credit asset quality,imperfect internal control system,irregular credit operation process,imperfect credit risk warning mechanism,and the weak quality of credit personnel.Founded on the causes of the problems from internal and external factors,the article puts forward relevant countermeasures and suggestions,such as optimizing the organizational structure of credit risk management,strengthening the internal control of credit risk,standardizing the credit operation process,perfecting the early-warning mechanism of credit risk,and cultivating high-quality credit management staffs.The research further enriches the credit risk management foundation of rural commercial bank of G city,and provides reference for the research on credit risk management of other financial institutions,especially the credit risk management of other rural commercial banks.It is of vital theoretical and practical significance to further standardize the rural financial service system,improve the efficiency and safety of the credit business of rural financial institutions,and help the rural regional economic development.