Research On Risk Management Of Personal Credit Business In Rural Commercial Bank C

The state attaches great importance to the issue of agriculture,rural areas and farmers,and in recent years,In the first document of the state,the issue of agriculture,rural areas and farmers is regarded as the top priority in economic work.In 2019,the first document of the Central Committee of the CPC Central Committee and the State Council on adhering to the priority development of agricultural and rural areas to do a good job in the work of "agriculture,rural areas and farmers" According to a number of comments made by the Secretary-General,In order to effectively reduce the threshold of credit guarantee services for agriculture,rural areas and farmers,we will set up an incentive and restraint mechanism for county banking financial institutions to serve "agriculture,countryside,agriculture and rural areas" through all links of "agriculture,countryside,agriculture and rural areas".Banking and financial institutions are encouraged to increase medium-and long-term credit support for rural revitalization and poverty alleviation.Rural merchants The financial reform and innovation of industrial banks and the effective development of personal credit business are conducive to solving the problem of insufficient individual funds in the development of agriculture,rural areas and farmers,doing a good job in providing rural financial services,and responding to the increasing demand for financial services in rural areas.We will further ensure all-round development of the rural economy.This paper is based on the information asymmetry theory,credit rationing theory and comprehensive risk management theory.Literature reading,case studies,quantitative and qualitative method,and other research methods are adopted to take the personal credit business risk management of the Rural Commercial Bank C as a case.This paper analyzes the present situations of risk management in the Rural Commercial Bank C and the existing problems,and how to strengthen credit riskmanagement in the context of the development of agriculture,rural areas and farmers.The main parts of this article include four chapters,as follows:The main idea of the second chapter is about the overview of the personal credit business risk theory and credit risk management theory.This part mainly focuses on the overview of the personal credit business,personal credit business risk,personal credit business risk management theory.The main idea of the third chapter is about the situation and the risk of personal credit business in the rural commercial Bank C.In this part,the author first introduces the development of personal credit business of rural commercial bank C,and then analyzes the types,characteristics and influencing factors of personal credit business risk of rural commercial bank C.In The fourth chapter,the credit risk rating and management status of the personal credit business of the C rural commercial bank.The paper analyzes the problems of the structure,risk evaluation and risk management of the personal credit business risk management organization of the C rural commercial bank.The analysis of the existing problems in risk management is the main part.The main idea of The fifth chapter is about countermeasures of the Rural Commercial Bank C to strengthen the personal credit business risk management.In this part,the concrete measures including both outer response and and inner response are suggested.In this paper,the author analyzes the personal credit business of the Commercial Bank C in the context of the development of financial support for agriculture,rural areas and farmers.Its purpose is to provide reference for personal credit business risk management of other rural commercial banks,so as to reduce risk effectively.