Research On Credit Risk Management Of Private Enterprises In M Branch Of Agricultural Development Bank Of China

At present,in the context of deepening financial reform and advancing agricultural supply-side structural reform,we are faced with the challenges of consolidating the business status of grain,cotton and oil purchase and storage and exploring diversified project credit models,and also welcome the policy opportunities of serving the real economy and strengthening financial regulation.Under the background of the history of our country adopted a policy of marketization of grain purchase and sale,cancel order food,let go of grain purchase,the bank as an important agricultural region of M city branch,the bank M city branch of the national policy influence the credit scale to drop,profit space is narrow,after three years of shanty towns transformation policy at the same time,the commercial housing inventory task completed,turn shantytowns into new housing areas for medium and long-term credit will shrink,cooperate with the government to reduce risk,expand effective way has been gradually cannot satisfy their own development,further development of private enterprises not buying and selling,not urgent policy credit scale,however,Through the research on the credit of private enterprises of M city agricultural development bank,it is found that the defective rate of private enterprises exceeds 40%.This paper will analyze the current situation of credit risk management of private enterprises of M agricultural development bank and improve the existing problems in risk management.Relying on credit risk management theory,this paper reference for credit risk management research results at home and abroad,with the bank M city branch of the support of private enterprises' credit risk management as the research object,using the method of questionnaire investigation,expert interview,literature review method,qualitative analysis and quantitative analysis,etc.,in the credit rationing theory,information asymmetry theory,comprehensive risk management theory and the dispersion theory,on the basis of introduced at this stage the bank M city branch credit business process and the present situation of private enterprises,analyzes the private enterprise credit risk and credit risk management of specific measures,Find out the problems in the three stages of credit risk management of private enterprises in M city branch.In the pre-loan stage,there are problems such as unreasonable credit risk management organization,serious imbalance in credit asset structure and insufficient due diligence before the loan.The credit risk identification method is not advanced and the examination and approval are not standard.The post-loan stage risk early warning mechanism is not sound and the post-loan inspection is not sufficient.In the pre-loan stage,the existing organizational structure can be improved,the credit structure can be optimized and the pre-loan investigation and management can be strengthened.In the middle loan stage,the existing risk identification means can be improved and the examination and approval management of the middle loan can be standardized.The post-loan stage can improve the credit risk warning mechanism,strengthen the post-loan inspection and cultivate a positive and healthy corporate culture.