Research On Credit Risk Management Of Erdos M Bank

With the continuous development of China’s rural economy, rural credit cooperatives, rural commercial bank and a series of service for the rural economy mainly commercial banks such as the emerging like bamboo shoots after a spring rain. This kind of rural commercial banks as a special class of bank, to serve the small and micro, services, agriculture and people’s livelihood for the characteristics of business objectives, coupled with China’s unique economic environment background makes this kind of bank business credit business. From the data released by the CBRC, the total number of rural commercial bank credit accounted for the balance of the banking financial institutions loans into about three, while the rate of non-performing loans in the first five types of banking but. From the M rural commercial bank itself, raise the level of credit risk management is to solve the local credit demand, but also meet the bank’s own development initiatives. Therefore, how to improve the level of credit risk management, has become the most important topic of the banking business in the.This article to domestic and foreign credit risk management research results as the theoretical foundation, through a combination of qualitative and quantitative, data horizontal and vertical comparison method research methods analysis m rural commercial bank the credit risk management in the existing problems and solve these problems of the necessity and urgency. Then Sugenqiuyuan. According to the setting of the M rural commercial bank current credit risk management system of internal control mechanism and risk prevention system, risk supervision and control process of the content and the banks are facing credit risk characteristics matching analysis, to find the root cause of the problems in the current credit risk management system. Finally, combining the current of all banks in the credit risk management in a good system setting and experience in M rural commercial banks credit risk management problems.