Research On Optimizing Credit Risk Management Of Lanshan Rural Commercial Bank

The current macro environment of rapid economic development has fully stimulated the development of various industries,and the credit asset business of commercial banks has also emerged with good development opportunities.It is worth noting that the rapid development of the economy and fierce market competition have virtually increased the possibility of generating credit asset risks.Credit asset risk management has always been an unavoidable issue for banks,and how to effectively identify,measure,and control risks is currently a serious task facing banks.In particular,commercial banks in rural areas have certain problems in terms of history,customer groups,systems,and other aspects.The low quality of credit assets is an important factor restricting China’s economic development.As grassroots financial institutions supporting the regional economy,how to effectively control credit risk has become crucial.Therefore,how to strengthen and improve credit asset risk management in China is of great significance for promoting the healthy and stable development of rural banks in China.This article takes Lanshan Rural Commercial Bank as an example to conduct research on credit asset risk management.Firstly,based on the analysis of the current situation of Lanshan Rural Commercial Bank’s credit asset business,through literature research,quantitative and qualitative analysis,practical research,induction,and other methods,through the study of Lanshan Rural Commercial Bank’s credit loan risk management,risk management is conducted from the perspectives of management team,management mode,and management system,And analyzes the problems and causes existing in risk management,with the aim of proposing some means and measures to further improve the bank’s credit risk control.The research conclusion shows that in the loan business of Lanshan Rural Commercial Bank,operational risk,credit risk,interest rate risk and market risk are the main sources of credit asset risk.Through the research on the risk management of credit assets of Lanshan Rural Commercial Bank,we found the following problems: the structure of credit assets needs to be adjusted,the review of customer information is not strict,the means of credit risk management is single,and the staff’s subjective initiative is weak.The emergence of these problems has gradually highlighted the credit risk,operational risk and market risk of the credit asset business of Lanshan Rural Commercial Bank.Based on the current operating situation of Lanshan Rural Commercial Bank,some targeted improvement measures are proposed: reasonably adjusting the credit organizational structure,optimizing business processes,strictly reviewing customer information,improving staff literacy,and strengthening the construction of credit risk culture.