Research On The Credit Risk Prevention And Control Mechanism Of The A Branch Of The Agricultural Issuing Bank

With the continuous expansion of the market area of the A branch of the Agricultural Development Bank of China,the capital and scale of operation have also been significantly expanded,and the service content has become increasingly extensive,providing a more powerful boost for the development of rural financial services.In the whole financial system,ABC A branch plays an indispensable role,its main role is to enhance regional GDP,make the market economy more dynamic and so on.However,with the expansion of the credit business,the impact of credit risk on ABC A branch is increasing,and the macro-risk controllability is gradually decreasing,which makes it difficult for ABC A branch to carry out its business fully and safely.Therefore,the study of credit risk identification and prevention has great practical value and role.Firstly,this paper takes the A branch of the Agricultural Development Bank of China as an example,analyzes the current situation of the credit business of the A branch of the Agricultural Development Bank of China on the basis of defining the relevant concepts of the credit risk of the policy bank,and introduces the credit risk prevention and control process and department settings of the A branch of the Agricultural Development Bank of China.Secondly,the paper analyzes the problems of the credit risk prevention and control mechanism of the A branch of the Agricultural Development Bank of China,including weak post-loan tracking management,lack of risk prevention and early warning mechanism,defects in the credit internal control system and poor risk awareness of employees.At the same time,the causes of the problems are analyzed,including insufficient attention to industry risks,inadequate credit risk assessment,imperfect assessment mechanism,and the professional ability of credit personnel to be improved.Finally,the paper puts forward some countermeasures to improve the credit risk prevention and control mechanism of the A branch of the Agricultural Development Bank of China,including risk monitoring after credit issuance,strengthening credit risk assessment and management,perfecting the internal control system of credit business and improving staff's credit business ability.