Research On The Causes And Preventive Countermeasures Of Credit Risk Of S Rural Commercial Bank

The report of the 20 th National Congress of the Communist Party of China pointed out that in order to build a modern socialist country in an all-round way and promote the strategy of rural revitalization in the new era,the most difficult areas are still in rural areas,and the improvement of the rural financial service system is still a top priority.Since its establishment,S Rural Commercial Bank has been playing a major role in serving the economic development of agriculture,rural areas and farmers in a county.However,due to the shortcomings of the traditional management mode of small and medium-sized rural banks,the situation of credit risk is relatively serious.At the same time,with the continuous expansion of the bank ’s assets,the macroeconomic environment,scientific and technological level and financial consumer habits have all changed dramatically,its credit risk management methods have gradually exposed more and more problems.Based on the above,this thesis using the literature review and case studies as tools,analyzes and investigates the shortcomings of S Rural Commercial Bank in the effectiveness of credit risk management system and practice,the influencing factors and the causes of credit risk,and proposes prevention strategies for S Rural Commercial Bank.So as to make a contribution to improving the level of credit risk management and preventing credit risk for S Rural Commercial Bank.Firstly,this thesis presents the context and importance of the topic,summarizes and studies the credit risk measurement methods,the causes of credit risk and the countermeasures of credit risk by domestic and foreign scholars,and introduces the contents related to credit risk management in detail.Secondly,on the basis of in-depth analysis of the credit risk management process and current situation of S rural commercial bank,the problems existing in the credit risk management of S rural commercial bank are put forward.Thirdly,by means of empirical analysis and investigation,this thesis finds out the influencing factors of credit risk of S rural commercial bank.It is found that the main causes of credit risk of S rural commercial bank are imperfect organizational structure,lack of awareness of risk control,lack of professional and technical personnel,weak support of information technology and external environment.Finally,it puts forward the countermeasures to prevent credit risk,including improving the organizational structure,strengthening awareness of risk management,establishing a good corporate culture,aggressively recruit talents and strengthening the training of employees’ professional skills,enhancing the construction of information technology,and speeding up the pace of reform and transformation.