The Basic ADBC Credit Risk Management And Control Research

As a subordinate of ADBC，Basic Agricultural Development Bank is importantfor the new rural construction and development of agricultural industrialization，and itplays a important role in agricultural finance and agricultural development. So, in thesocio-economic development so fast today，the ADBC must reflect grassroots actionby developing agriculture credit business，to achieve effective development in supportof their new rural construction. In the management process of the ADBC，in additionto its own policy banks possess identity，you must also follow the general rules andoperational mechanisms for banks，if not to maximize profits for the businessobjectives，but also emphasizes the mobility of capital，safety and effectiveness.So，credit risk management and control is also a priority among the credit business.Withthe rapid changes of economic globalization，the interest rate market and financialliberalization，the changes are increasing in market development with many factors，credit risk and unpredictable changes in the ADBC also makes it difficult to carry outthe operations，and also makes it difficult to control the trend changes. Therefore，toachieve the coordination of asset quality and operating work efficiency in the currentand future period. It has become the ADBC’s core content and tasks，including tostudy the relevant content of credit risk management and control，to effectivelymanage and control credit risk，and strengthen credit risk control measures.This article uses some research methods,including literature review、On-the-spotinvestigation and the quantitative analysis method.First,by reviewing literature,thearticle summarizes the domestic and foreign studies of bank credit risk,findingrelevant theoretical basis for the Basic Agricultural Development Bank’s credit riskcontrol;Second,by issuing questionnaires and in-depth interviews,the article inspectsBasic Agricultural Development Bank,elaborated status and problems of BasicAgricultural Development Bank in detail,this article deep-level excavate its credit risk from the view of bank’s own management and operation status, with a specificanalysis of credit management;Then,this article constructs management and controlsystem of credit risk,which include Quantitative assessment and Warning System, andit designed the credit risk models,conducted a quantitative assessment by collectingrelevant data,proposed measures and suggestions to strengthen the Basic AgriculturalDevelopment Bank’s credit risk control.The innovation lies in the paper:first,it field research the Basic AgriculturalDevelopment Bank,to obtain first-hand information,the data provide strong supportfor the next theoretical studies;second,it deep explores the Basic AgriculturalDevelopment Bank’s credit risk control system,which make it more effective tocontrol risk;Third,it quantifies and assesses the Basic Agricultural DevelopmentBank’s credit risk control,and established PPM model,provided the basis for creditrisk management.Through learning the advantages of domestic and foreign research on the bank’srisk management,and combing with the situation on the ground, analysis status andproblems of Basic Agricultural Development Bank’s credit risk management andcontrol, the paper builds Basic Agricultural Development Bank’s credit riskmanagement and control system, and for the example of Shihezi AgriculturalDevelopment Bank, analysis management status of its credit funds, and finallyproposes countermeasures to strengthen management and control of credit and loan.