Research On Credit Risk Management Of The Rural Commercial Bank

At present, China’s rural financial market in the early stages of development, financial product structure, market scale and lagged supervision means. As the main part of the rural cooperative financial institutions credit business always frequent risks, because the historical burden is heavy, the corporate governance structure is notperfect, the overall low efficiency of management, personnel comprehensive quality not higher question caused by the credit risk is too high. With the continued to strengthen supervision, the marketization of interest rate, the diversification of customer needs, financial disintermediation and lack of competitive advantage and other challenges, anxious for risk control means extensive management pattern and the inefficiency of rapid change, to meet the needs of economic development.As the Central Underdeveloped Area, in recent years, with the implementation of "rise of central China" strategy, Anhui’s industrialization, urbanization, agricultural modernization development speeded up. In this context, Anhui rural commercial bank credit business has been the rapid development momentum, loans continue to rise. Rural commercial bank credit business because of its unique characteristics, capital consumption is low, profit space is large, more and more competitors and customer focus, retail has become the basic trend of rural commercial bank credit structure adjustment. The main service objects of rural commercial banks for the "three rural",because of the restriction factors of agricultural, rural development is more natural, market mechanism, so easily cause a lot of credit funds sedimentation. At present, the rural commercial bank credit asset management form is relatively extensive, mechanism of the loan decision, constraint which adapts with the modern market economic system has not really set up. As China’s financial sector deleveraging process accelerate, rural commercial bank credit risk management has become an important point of optimization of resource allocation, promote rural development. Rural finance is one of the important supporting industry in less developed regions, has important practical significance to strengthen the study on credit risk management of Anhui rural commercial bank.Based on the current situation of credit business of Anhui County Rural Commercial Bank, through the analysis of the present situation of the credit risk management, and with reference to international and domestic commercial banks and advanced experience of management, the risk management of credit business is based on the theory of rural commercial banks, and summarizes the existing Anhui County Rural credit business in commercial bank risk management shortcomings and deficiencies, and puts forward the corresponding improvement measures and recommendations. Mainly includes:the perfect credit laws and regulations; change ideas, establish the credit management culture; change the management mode of operation, improve the internal control mechanism,establishing the credit system of rural commercial bank; strengthen the application of IT technology and improve customer manager team moral and professional quality level of the education.