Research On Loan Loss Provision Management Of L Rural Commercial Bank

In the increasingly developed and improved financial market,the role of commercial banks is becoming increasingly important.As an essential component of risk management in commercial banks,the importance of loan loss provisions is becoming increasingly apparent.Considering the uncertainty of macroeconomic factors affecting the stable operation of commercial banks and the complexity of loan loss reserve management,scientific management of loan loss reserve has become a challenge for commercial bank managers.In recent years,the constantly changing international environment has brought many adverse effects to China’s economic development.With the transition period of China’s economy towards growth,commercial banks are facing various operational pressures,credit asset risks are gradually increasing,and regulatory requirements are becoming increasingly strict.Preventing and resolving financial risks has become a key regulatory focus,and commercial banks need to adopt more scientific management to meet the challenges.However,L Rural Commercial Bank has some problems,such as insufficient Management science and forward-looking management of loan loss reserves,which need to be solved urgently.In response to the above situation,this article conducts a study on the current situation of loan loss provision management in L Rural Commercial Bank.Firstly,the research status of loan loss provision at home and abroad was reviewed,followed by an explanation of the theoretical basis used in loan loss provision management.Then,the basic situation and loan loss provision management of L Rural Commercial Bank were introduced,followed by an in-depth analysis of the main problems in loan loss provision management of L Rural Commercial Bank.In the specific analysis,financial data from 2017 to 2021 were selected,And analyze the reasons for the problems in its loan loss reserve management,and finally propose more standardized and reasonable suggestions on how to combine loan loss reserve management with the high-quality development of L Rural Commercial Bank.This will promote L Rural Commercial Bank to improve its loan loss reserve management level and make greater contributions to China’s macroeconomic development.