Research On The Risk Management Of Large Loan In QL Branch Of SD Rural Commercial Bank

In recent years,due to the positive impact of social and economic development,the demand for funds by small and medium-sized enterprises and individual customers has increased substantially,to support the "three rural" economic development-oriented credit business of rural commercial banks in the proportion of large loans is increasing.As financial institutions lag behind in the management of large-scale loans,and because of the special nature of the objects,specific quotas and modes of issuance of such loans,they are also heavily influenced by national macro-policies,this makes the potential risk of large loans more prominent.It is an objective fact that there is homogeneous competition among banks,and the competition among them has gradually intensified,and the financing channels of large enterprises have gradually matured,under this background,how to effectively manage the large-sum loan market for SD Rural Commercial Bank QL sub-branch is related to whether it can keep its own advantage in the competition of the credit market and realize greater development.Therefore,it is of great significance to explore the credit risk management of large-sum loan of SD Rural Commercial Bank QL sub-branch.This article first consults the related literature material and carries on the summary to the existing research results,first of all,in understands the c ountryside commercial bankns related theory foundation,this paper expounds the present research situation of the large loan risk management of the domestic and foreign commercial banks and the research situation of the large loan risk managemert of the rural commercial banks in Chinarthrough the scientific analysis of large-sum loan risk management identification and evaluation mechanism,correct understanding and solution of SD Rural Commercial Bank QL sub-branch large-sum loan risk management;Secondly,it expounds how to make reasonable optimization scheme,process and details according to the specific situation of risk management of large-sum loan In the end,it expounds the requirements and measures for the implementation of the optimization scheme to ensure the risk managemekt of large-sum loans in Ql sub-branch of SD Rural Commercial Bank,in accordance with Basel Ⅲ and the regulatory requirements of the China Banking Regulatory Commission.