Research On Credit Risk Management Mode Of Liaoning Rural Credit Union

Ever since a long time ago, the issue how to prevent and control credit risk has been the main object and the core content for the financial institutions and supervision departments. With the development of financial globalization and the escalation of financial market fluctuation, financial institutions around the world meet the unprecedented challenges. Although Liaoning rural credit union hasn't been attacked directly by financial storm, it also exposes some questions in the existing mechanism, assets structure and other aspects.This thesis, holding this topic closely, concentrates on the search more comprehensively and toughly on the consummation of credit risk management system. Taking analyzing the present situation as a starting point, this thesis makes a multiangle and multilevel analysis on the existing problem of credit risk management mode of Liaoning rural credit union based on credit risk management theory, builds a credit risk management mode that fits the conditions of Liaoning rural credit union and puts forward the suggestions to reinforce the credit risk management on the basis of some experience absorption from other countries, according to Liaoning actual situation. There are six chapters in the thesis, and concrete contents are as follows:The first chapter is the introduction of this thesis, which introduces the research background and meaning, the present condition of study on the credit risk management in domestic and abroad and theoretical foundation. The second summarizes the credit risk management theory. This part begins with the connotation of credit risk management, introduces relevant regulations and the frame of credit risk management mode of New Basel Accord and sets credit risk management mode standards. The third chapter analyzes the cause of non-performing loan according to the present situation and features of credit risk management in Liaoning rural credit union. The forth one, which compares and draws lesson form the commercial bank at home and abroad, analyzes the credit risk management mode of American, Singaporean and Chinese fairly advanced commercial bank, and learns from their experience to build credit risk management mode of Liaoning rural credit union. The fifth chapter builds the credit risk management mode that fits the conditions of Liaoning rural credit union drawing on the experience of other countries. The sixth one is the conclusion part of thesis, and brings up some suggestions and opinions.