The Problems And Countermeasures Of Credit Risk Management Of Rural Commercial Banks

For a long time,the credit risk of commercial Banks is a thorny problem,its mainly comes from the qualitative change,the debtor's credit in the contract due date can't normal performance of the risk of default,because our country is the main indirect way on financing,so the credit risk has always been the main risk faced by commercial Banks.In recent years,China's rural commercial Banks with the rapid development of rural economy.By the end of 2018,1,427 rural commercial Banks had been established across the country.Rural commercial Banks are playing an increasingly prominent role in and contributing to China's economic development.They have become an important supporting force for rural economic construction and have made great contributions to the financial services of China's real economy and the economic development of rural areas.At the same time,with the continuous expansion of the asset scale of rural commercial Banks,the market environment,business model and management methods have undergone great changes,and their credit risk management has gradually exposed more and more problems.Especially in recent years,affected by the transformation and upgrading of domestic industrial structure and the slowdown of economic growth,the non-performing loan ratio of commercial Banks has been on the rise,and the backward credit risk management of rural commercial Banks has become increasingly prominent.In the future,the difficulty of credit risk management will inevitably increase,therefore for commercial Banks,especially rural commercial Banks,it is extremely urgent to establish an accurate,effective,scientific and reasonable credit risk management system.In this thesis,the logic of expounding is "theoretical basis,putting forward problems,analyzing problems and solving problems".First of all,the thesis introduces the background and significance of the topic selection,focusing on the research ideas,methods and contents of the topic selection.Secondly,it summarizes and studies the credit risk theory,credit risk measurement and credit risk control of domestic and foreign scholars,and analyzes the current situation of credit risk management in China,based on which the paper is based.Thirdly,for the status analysis of A rural commercial bank credit risk management from organizational structure,system construction,control mode and control process are analyzed,and on this basis,to A rural commercial bank financial data of recent years has carried on the detailed analysis,to explore the credit risk management of the existence of its main problems,and analyzing the cause of problem.Lastly,in view of the existing problems and difficulties in credit risk management,effective preventive Suggestions are put forward from the following three aspects: giving play to the guiding role of management organizational structure,improving the efficiency of credit risk management and safeguarding measures.It is hoped that the research in this thesis will provide ideas for the steady development of A rural commercial bank and provide more inspirations for the credit risk management of more rural commercial Banks.