Research On Credit Risk Management Of B Rural Commercial Bank Under The Slowdown Of Economic Growth

Since the 2008 financial crisis,China's economy has been slowing down.Especially in recent years,with China's economy entering a new normal,economic development has changed from high-speed growth to medium-high-speed growth,from factor-driven,investment-driven to innovation-driven development.This downward trend is becoming increasingly obvious.In the downward economic cycle,various uncertainties are increasing,and the operation of the whole economy is facing more and more challenges.The uncertainties of economic development have also brought great impact and challenges to the development of the whole banking industry Especially,China has passed the protective period of WTO,the financial industry has opened-door to the outside world,the flowers are blooming,the economic globalization is accelerating,the door of foreign banks entering the Chinese market is fully opened,and the threat of internal and external environment makes the operational pressure of commercial banks increasing.Credit business,as the core asset business of commercial banks,is the source of direct profits of commercial banks,which is of great significance to the development of banks.With the downturn of the economy,the bank's credit risk is facing more and more severe tests.How to actively face the changing trend of domestic and foreign economy,timely adjust business strategies,strengthen the awareness of credit risk management and control,and build a scientific and effective risk control system is one of the key issues in the academic circles of our country.This paper starts from the economic environment,first of all,it analyses the current situation of credit risk research at home and abroad,and makes a comprehensive analysis and explanation of credit risk.Then,it analyses the definition of economic downturn,judgment indicators,characteristics and the definition,classification and characteristics of credit risk management.Then,taking B Rural Commercial Bank as an example,this paper studies and summarizes its credit risk management under the economic downturn cycle.It mainly analyses the current credit management level of B Rural Commercial Bank,the exposed risk problems,the causes of risk problems,and the specific solutions.It also draws lessons from advanced credit risk management tools and methods at home and abroad,aiming at passing through the points.This paper analyses the credit risk of a local agricultural and commercial bank,and explores a way to reduce the risk,improve business performance and maintain green,stable and sustainable development of B Rural Commercial Bank under the new normal environment of economic downturn.At the same time,it provides some ideas and references for domestic and foreign academic circles to analyze the credit risk of the entire financial industry.This paper has important theoretical and practical significance for perfecting the credit risk management of banks in China,promoting the standardized operation of banking industry in China,enhancing the core competitiveness of China's financial industry and coping with foreign competition.