Research On Optimization Of The Credit Risk Management Of Rural Commercial Banks In Xinning County

Rural commercial banks have been reformed from rural credit cooperatives.Due to the change of system,great changes have been brought about to the business development of banks in all aspects.Most of the outlets of rural commercial banks are distributed in rural areas,which have some inherent characteristics such as small area and asset scale,weak risk resistance and so on,and the credit risks th ey face are larger than those of ordinary commercial banks.Rural commercial banks mainly serve the county-level economy.As the main force of rural financial institutions,they mainly serve agriculture,rural areas and small,medium and micro enterprises,and undertake the financial mission of providing financing services for small,medium and micro enterprises and promoting the development of grassroots economy.It is particularly important and significant to do a good job in preventing and controlling credit risks of rural commercial banks.In this paper,the behavior of Agricultural Commercial Bank of Xinning County is taken as the research object.By analyzing the current situation of credit risk management in Xinning County,it is found that there are some problems,such as risk control compliance management is not strict,weak ability of customer screening,three checks work as a formality,ineffective implementation of risk control system and so on.On the basis of analyzing the causes of the above pr oblems,in order to build a comprehensive,dynamic and efficient credit risk management mechanism of Xinning County Rural Commercial Bank,this paper designs the operable optimization contents from three aspects: risk management content,risk management process and risk management mechanism of credit risk management according to the principles of emphasis,practicality,promotion of development and power balance.Finally,the implementation steps and safeguard measures are discussed,and the expected results are analyzed.Combined with the actual situation,the optimization scheme proposed in this paper has strong operability for improving the credit risk management of Xinning Rural Commercial Bank,and has important practical significanc e for promoting the development of the bank’s credit business.At the same time,it will also serve as a reference for the credit risk management of other rural commercial banks.