Research On Credit Risk Management Of F City Rural Commercial Bank

Rural commercial bank,as a financial institution serving agriculture,rural areas and farmers,was restructured from rural cooperative shares and is a major component of the rural financial system.However,due to its late start,slow development and poor foundation,compared with other banking financial institutions,rural commercial bank faces more difficulties and accumulates more complex problems and disadvantages.Credit risk,as an important risk for banks,is the main risk in the operation process,which is more deeply exposed in rural commercial banks.In the face of the complex financial market,rural commercial banks should not only solve the problems left over from history,but also deal with the new pressure of growth.It is necessary to explore an effective way of credit risk management and improve the existing way of credit risk management.F City has 2 districts and 9 counties.F City Rural Commercial Bank in F City wide distribution,deep roots,large size,after all the completion of restructuring,it has developed rapidly,the total amount of assets and liabilities also increased rapidly.However,it has the most severe credit risk exposure in the financial institutions of F City's banking industry,with a high non-performing loan ratio.It is the credit risk concentration area of F City's banking system and was designated as the key risk bank of F City's banking system in 2019.To improve the credit risk situation,risk control ability and financial service level of F City Rural Commercial Bank is conducive to the stable operation of the financial system of the whole F City's banking industry.The purpose of this paper is to study the credit risk management of F City Rural Commercial Bank,then put forward suggestions for optimization control credit risk.This paper summarizes the current situation at home and abroad,introduces the research ideas and methods,and expounds the concept,characteristics,causes and basic theory of credit risk management.On the basis of mastering the basic theory,identify the credit risk of F City Rural Commercial Bank.First of all,understand the basic situation of F City Rural Commercial Bank.Then from the classification of credit risk: loan credit risk,credit risk of non credit assets,liquidity risk to analyze the current situation of credit risk of F City Rural Commercial Bank and analyze that the credit risk of F City Rural Commercial Bank is concentrated in loan credit risk.Finally,identify the influencing factors of credit risk,including the borrower's risk,internal management risk and external risk,through refining the risk to get the problems of credit risk of F City RuralCommercial Bank.On the basis of identification,this paper evaluates the credit risk of F City Rural Commercial Bank,the evaluation mainly adopts Delphi method to evaluate the three risks identified by the credit risk of F City Rural Commercial Bank,and concludes that the biggest risk faced by the credit risk of F City Rural Commercial Bank is the borrower's risk.The last,according to the identification and evaluation of credit risk,the paper puts forward the optimization suggestions for the credit risk control of F City Rural Commercial Bank: the first is to improve the prevention of the borrower's risk,including establishing a real and effective database,strengthening the management of the borrower's credit rating,optimizing the credit management process,strictly verifying the guarantee situation and strengthening the popularization of the borrower's risk awareness,the second is to strengthen the management and control of the bank's internal management risks,including strengthening the construction of internal control system,building a complete credit risk management system,strengthening the construction of the staff and improving the speed of resolving credit risks,the third is that we should improve our ability to cope with external risks.