Research On Risk Prevention Of Rural Commercial Bank Loans

As China's economy and society enter a new era,the monitoring and prevention of financial risks is still the focus of financial work.As an important part of China's financial system,rural commercial banks play a crucial role in stabilizing the rural financial market and maintaining the financial order.They are also boosters for modernizing agriculture and also an important means for the country to achieve macroeconomic control.Rural commercial banks,like general commercial banks,are also affected by the external financial environment.How to further prevent rural commercial bank loan risks in the new stage of social development is still an important issue.As an important branch of commercial banks,rural commercial banks also suffer loan risks due to financial market fluctuations.Such loan risks are often sudden,uncertain,and covert because of the risk of loan risks.Many,it is difficult to timely and effective prevention and control,can easily cause major losses.At present,the risk of loans for rural commercial banks still occurs from time to time,and there is even an increasing trend.How to timely and effectively avoid the risk of their loans and the risk of controlling their loan risks sensitively,and formulate a set of measures against the risk of loans for rural commercial banks.The early warning indicator system is one of the urgent problems to be solved in the development of China's rural commercial banks.It has practical significance and practical significance.This paper starts from the current situation of rural commercial bank loan risk prevention,sums up the characteristics of rural commercial bank loan risks,and further analyzes how to prevent rural commercial bank loan risks from the perspectives of risk assessment and risk control,and tries to establish a set of targets for rural commercial banks.The loan risk early warning indicator system monitors the possibility of its loan risk.By reading a large number of bank loan risks and other relevant literature and books,we have a clear understanding of the reasons for the formation of risk of rural commercial bank loans and the direction of risk prevention.At the same time,we are familiar with the principles and methods of risk prevention of rural commercial banking loans.Combining relevant theories,we further analyzed the possibility that rural commercial bank loan risks can be resolved promptly through strict supervision.An early warning index system for the loan risk of rural commercial banks was established,and the specific numerical values of the comprehensive early warning index system were calculated based on actual conditions.Then,the correctness of the early warning index system was verified with specific cases.Finally,summarize the prevention of loan risks of rural commercial banks and propose countermeasures: first,create a more sensitive early warning system;second,innovate business types;third,reduce the concentration of single loans;fourth,establish a sound internal risk management mechanism;The fifth is to innovate rural commercial banks to drive slavery risks.