The Study Of The Management Of Taixing Rural Commercial Bank Credit Risk

Recent years,to resolve the problem of three Fs China actively carry out a lot of three Fs policies to support the development of agriculture and rural area. Under the support of authoritative policies,the rural financial institutions are founded gradually,and the development of them is well giving a hand of the development of the economy of rural area. Meanwhile the phenomenon produces a series of problems, especially the facet of the rural financial institutions credit risk.The bank profession is the industry with high risk, mainly in the field of credit risk. The credit risk can destroy the normal and proper working of the banking system. If it can not be resolved duly, it could weaken the effectiveness. As the competition of financial market being more and more fierce, the rural financial institutions pay close attention to meticulous management.However there is not advanced enough model to measure and manage the credit risk.The paper sum up correlative theories about rural financial institutions credit risk internal and external. Such as the model to measure the credit risk,the experiences to manage the credit risk and so on. What’s more,this paper does a detailed analysis of Taixing rural commercial bank’s management and credit risk,and summarizes the present condition of Taixing rural commercial bank and the problems of credit risk management. In addition, it analyses the reasons of the problems. Such as the general low quality of the staff, the lack of perfect inner control rules, and so on. At last,the paper put forward several feasible proposals to improve the ability of managing credit risk of Taixing rural commercial bank.