Research Report On Credit Risk Of Changfeng Agricultural Bank

Rural credit cooperatives are financial institutions that are composed of communal combination of asserts by ordinary people with the purpose of mutual attitude and the principle of voluntary collective cooperation. Because of the above reasons, rural credit cooperatives in rural health sustainable not only help the sustainable development of economy, also has an important influence on ordinary farmers’ income. But because the management can’t keep up with the mainstream direction, system stagnant, policy bias, rural credit cooperatives faces many risks, this paper mainly studies the credit risk. The existence of risk is not conducive to the steady development of rural credit cooperatives, and had blocking effect on the development of rural economy, rural economy development of the X factor. In recent years, with the increasing of rural financial reform, the development of rural credit cooperatives has had the obvious enhancement. However, credit risk faced by the situation is still grim, such as bad loans collect, risk measurement method is not perfect. Not only that the problem of low capital adequacy ratio has also been a troubled bank staff of a big problem. Many rural credit cooperatives management and operation system of the fatal problem exists defects, some of the rural credit cooperatives staff careless use of the hands of the authority, abuse power for personal gains, the success of the reform of rural credit cooperatives faces new challenges.This article through to changfeng bank found the bank customer manager risk rating of the borrower has some problems, such as loan quality is not high, the risk is relatively concentrated, risk management organization structure is not mature, system is not sound, the process is not standard, etc., and from the internal and external on the reason analysis, on the basis of changfeng bank credit risk management organization structure, this paper analyzes and discusses the system and process. Finally, from the internal system, human resources management system and risk management culture three aspects proposed the changfeng bank credit risk management plan implementation of supporting measures.