Research On Credit Risk Management Of Rural Commercial Banks In The Post-epidemic Era

Since the outbreak of New Coronary Pneumonia at the end of 2019,many regions,industries and fields have suffered serious impact and repeated interference,which has triggered challenges in all aspects,mainly the global spread of the epidemic and the possible economic recession.Studies have shown that the impact of the new pneumonia epidemic on the economy and finance may have exceeded that of the Asian financial crisis in 2008,and the process of global economic recovery has been further slowed down.Influenced by the continuous spread of global viruses,Sino US economic and trade frictions,geopolitical frictions,industrial chain disconnection and other factors,various risk factors have increased,which may lead to continued increase of credit risk.Based on the credit risk problem of D Rural Commercial Bank under the background of the new epidemic situation,this paper first learned about the current credit risk assessment and control situation by reading and sorting out the relevant literature on credit risk of banks at home and abroad,and tried to prepare measures for the development of the bank for reference;Secondly,define the meaning,classification,characteristics and management process of credit risk;On this basis,starting from the specific reality of D Rural Commercial Bank,this paper introduces its development profile and credit business development,calculates and evaluates the main indicators for measuring credit risk according to the annual report data published by the bank,and preliminarily analyzes the credit risk problems existing in the bank;Using the Z-score model for reference,calculate the Z value of Rural Commercial Bank D from 2013 to 2021,compare it with the judgment criteria,draw the conclusion that the bank is in the bankruptcy area,and find out the reasons for the risks from each sub index.Finally,according to the problems in the third chapter,it summarizes them and provides targeted optimization methods and measures to improve the systematization and specialization of D Rural Commercial Bank’s business operation and credit risk management in the post epidemic era,continuously strengthen the practical guarantee of D Rural Commercial Bank’s comprehensive credit risk management,and also provide some reference for similar small and medium-sized financial institutions at home and abroad.