Research On Loan Risk Of Yanhuifa Rural Bank

Since the CBRC adjusted and relaxed the access policy of banking financial institutions in rural areas,village banks have become an important pillar to solve the problems of lack of financial services and inadequate financial coverage in villages and towns.However,due to the limitations of late start and backward management,the loan risks of rural banks gradually ’surfaced’ and deteriorated into high-risk institutions.Loan risk not only seriously damages the economic interests of banks,but also seriously affects and restricts the financial services capacity and steady development of banks.In order to achieve sustainable and healthy development of banks,take the initiative to strengthen the ability to deal with risks,to prevent and resolve the risk of loans,bank loans to do a good risk management is urgent.This paper takes YC rural bank as the research starting point,and refers to the theoretical results of bank-related loan risk management research as the basic support for YC rural bank problem analysis and management strategy.Firstly,the general situation and loan business of YC Remittance Village Bank are expounded.Then,according to the financial statement data of YC Remittance Village Bank,the current situation of loan risk management of YC Village Bank is investigated by analyzing the bank ’s asset status,loan business and loan risk management system.From the four aspects of credit risk,operational risk,liquidity risk and market risk of loan business,it is found that YC Village Bank has weak points such as high credit risk of loan business,serious non-performing loan and backward risk management.Then,the expert scoring method and the analytic hierarchy process are combined to evaluate the loan risk indicators of YC Village Bank.The results show that among the many internal and external influencing factors,the bank should pay the most attention to the safety risk,followed by credit risk and profitability risk.Finally,based on the results of risk index identification and evaluation,this paper optimizes loan risk management from the aspects of ideas,objectives,principles and measures.At the same time,in order to strengthen the YC rural bank loan risk management from the personnel quality,internal control system,credit environment construction and other aspects of targeted recommendations.The purpose of this paper is to provide some theoretical suggestions for YC rural banks in loan risk management through the study of loan risk of YC rural banks,and to help banks improve their loan risk management ability.The management strategy proposed in this paper is aimed at the case itself,but the research path,theoretical basis,analysis method and so on have universal applicability,and have certain reference value to the loan risk management optimization of domestic village banks.