A Case Study On Credit Risk Control Of A Rural Commercial Bank

Rural commercial bank is the most important banking institution to promote rural economic development.In order to effectively provide rural financial services,Since2004,the central no.1 document has focused on "Three Rural Issues" for 13 years,the state guides rural credit cooperatives to transform into rural commercial banks.By the end of 2017,the number of rural commercial banks has reached 1,262,accounting for32.5% of total rural financial institutions and 27.74% of banking financial institutions.The total assets of rural commercial banks are nearly 25 trillion yuan,accounting for74.46% of rural financial institutions and 10.07% of the banking financial institutions.Guided by the theory of asymmetric information,credit rationing theory,COSO-ERM,Basel ?,the requirements of internal controls and internal audit,five-category loan classification,this paper analyzes the risk control status of credit business,believes that A RCB has some advantages such as multiple branches,local authorities and targeted products,and it also seizes the strategy opportunity of the "three rural" support policy,and a substantial increase income of the local residents.However,there are still many problems such as A RCB failed to identify risks of differentiation strategy,low quality of loan officers,excessive subjectivity of credit risk assessment,lending more than management,and internal audit is still to be established and improved.Therefore,A RCB must strengthen credit risk identification and assessment,implement the responsibility,strengthen post-lending management,realize the smooth transition of loan impairment model.Introduce risk-oriented internal audit to strengthen credit control.Strengthen capital and liquidity regulation.Implement the agricultural insurance system,introduce deposit insurance,improve the rural credit system and introduce advanced disposal methods of non-performing loans.This paper makes a case study on the credit risk control of A RCB,which has important theoretical and practical significance for improving the credit risk control level of A RCB,providing effective references for the development of rural financial institutions,and promoting the development of county economy and "three rural".