Research On Risk Evaluation And Control Of Large Corporate Loans Of MF Rural Commercial Bank

In the current economic situation,the increasing business of large corporate loans can bring more development opportunities to banks,but the risk level of large corporate loans is higher and more difficult to prevent and control,and large corporate loans have characteristics of large scale and long term,if the risk of large corporate loans appears,it will bring a large negative impact to commercial banks.MF rural commercial bank is restructured from the urban credit cooperative within the original urban area of S city.It has typical characteristics of rural commercial bank in terms of network distribution,credit mode and risk control.Large company loan is one of the important asset businesses of MF rural commercial bank.The risk control of large company loan directly affects the normal operation and development of MF rural commercial bank.This article uses the AHP,the investigation research method and so on method to carry on the research to the MF bank large-scale company loan risk management question.Firstly,this thesis analyzes the current situation of risk management of large company loans of MF Rural Commercial Bank.On the basis of introducing the basic situation of MF Rural Commercial Bank,this thesis describes the current situation of large company loans of MF Rural Commercial Bank in terms of changing trend and bad situation.Through a questionnaire survey of 30 staffs in the credit line of MF Agricultural and Commercial Bank,the problems of large corporate credit risk management of the bank were identified and elaborated and analyzed.Secondly,it evaluates the loan risk of large companies of MF Rural Commercial Bank,clarifies the identification and hidden dangers of the loan risk of large companies of MF Rural Commercial Bank,and evaluates the risk management framework.Banks usually turn the evaluation of credit risk into the evaluation of the financial status of enterprises.This thesis selects a large loan customer of MF Rural Commercial Bank as a case,and conducts risk evaluation from financial indicators based on analytic hierarchy process.Finally,the thesis puts forward the risk control measures of large company loan of MF Rural Commercial Bank,mainly from the aspects of pre-loan investigation,review,post-loan supervision and digital risk control.The study of this thesis provides a partial reference and basis for the proper solution of large corporate loan risk management problems of small and medium-sized regional agricultural and commercial banks,including MF Agricultural and Commercial Bank,which is conducive to the more scientific and efficient formulation of large loan risk management strategies by local agricultural and commercial banks in China,and also raises the attention of the management of MF Agricultural and Commercial Bank to the risk management of large corporate loans,which has important practical significance.