L Rural Commercial Bank Credit Risk Management Research

Under the current rapid development of China's economy,economic risk is increasingly being studied by academics.Among them,economic risk pay attention to the economic risk management of commercial banks.Credit risk management is the core issue in commercial bank risk management.Reasonable control of credit risk management is crucial to the risk management of L Rural Commercial Bank.Meanwhile,The China Banking Regulatory Commission is the top supervisor of commercial banks.It has repeatedly emphasized that " commercial banks should manage and control credit risks,effectively strengthen risk supervision and subject and implement the issued rules and regulations to ensure stable economic operation ".However,banks of different property need to think about the bank positioning,adjust the industry's credit plan and constantly improve the internal management structure.What's more,we also constantly improve the credit risk management system,combine credit business management and control risk tools to control credit risk within the lowest risk range to reduce the impact of credit risk on the risk management of commercial banks.Therefore,this article,based on internal management theory,information asymmetry theory and other theories,has studied a large number of rural commercial bank credit risk management literature and related data,and on this basis,combined with the actual situation of L Rural Commercial Bank for specific analysis,by using field visit in the form of face-to-face communication with the credit account manager and loan officer of L Rural Commercial Bank.Under the current status of L Rural Commercial Bank's credit business management and related issues,combined with the theoretical knowledge of credit risk management and a scientific and effective evaluation system,we put forward the relevant issues,so as to achieve the effects of optimizing the credit system of L Rural Commercial Bank,optimizing post-loan risk management,and improving internal control to mostly boost the credit risk management of L Rural Commercial Bank.Based on the analysis of the current status of L rural commercial bank credit,it proposes countermeasures and suggestions on the credit risk management of L rural commercial bank:improving the risk management channel,optimizing the risk early warning indicator system on the risk management channel,clearing the information communication channel,and optimizing customer credit rating system;increasing the construction of credit risk management,strengthening the status of comprehensive risk management institutions,and rationally setting up the loan review function;optimizing post-loan risk management,standardizing loan classification procedures,increasing post-loan supervision,and strengthening post-loan risk monitoring;establishing internal management system to create a good internal management environment while strengthening the implementation of internal management measures.