T-Rural Commercial Bank Optimizes The Risk Management And Research Of Rural SME Credit Business

The main purpose of the development of rural financial institutions is to serve the “three rural issues”,The development of rural financial institutions play a key role in supplementing the economic shortage in rural economic development,solving the funding needs of rural low-income farmers and small and medium-sized enterprises,and optimizing rural financial structure.With the vigorous development of new urbanization,the development of rural small and medium-sized enterprises needs the support of rural financial institutions such as rural commercial banks,but in the past few years,with the development of rural financial institutions' credit,Some uncertain factors have also brought various risks,which have become obstacles to the development of China's rural economy,including credit risk,liquidity risk,market risk and operational risk.Therefore,rural finance is difficult to meet the requirement of rural areas economic development.As the main strength of rural financial institutions in China and the important channel for rural SMEs to finance.Driven by the promotion of external macro policies and the internal pursuit of interests,rural commercial banks have been placing loans on rural SMEs in recent years.At the same time,the non-performing rate of rural SMEs has remained high,and rural commercial banks have been looking for an effective way to control the credit risk of rural SMEs [1].Improving the level of credit risk prevention and control of rural SMEs in rural commercial banks will not only bring opportunities for the development of rural commercial banks,but also promote the healthy and rapid development of China's economy.Therefore,strengthening the risk management of rural financial institutions is the top priority of the “three rural” work.First This paper expounds the background of the research on the risk management system of rural SME credit business and the significance of the topic selection.It points out that the funds supply of rural financial institutions in China cannot meet the requirement of rural SMEs.The risk prevention and control system of rural financial institutions has not been perfected.Then the characteristics of credit risk of rural SMEs and rural commercial banks are analyzed separately,and the related credit risk management theory is introduced.It can be got that rural commercial banks have a relevant theoretical basis for the management of credit risk in rural SMEs.Secondly,combining with my work experience in T-Commerce Bank's credit business,I analyzed the non-performing loans in T-Commerce Bank in the past few years,and revealed the Common problem of rural commercial banks in the management of rural SME credit business.Finally,it introduces the current rural SME credit risk management system of T-Commerce Bank and the loan data after the application of the system.And it puts forward some suggestions to promote the credit security of rural SMEs in rural commercial banks.The specific recommendations focus on establishing and improving the credit risk management system for rural SMEs in rural commercial banks.Banks can effective and reasonable avoid the credit risks of SMEs by ensuring the positioning of rural SMEs,improving credit business processes,adopting advanced credit technologies,and strengthening internal control supervision and internal management systems.