Research On Credit Risk Management Of Hami Branch Of The Agricultural Development Bank

Risk is the general feature of the banking,but also the driving force behind innovationand development of banking.Assume and manage risk is the basic duties of banks.In all riskcategories,credit risk is the main species in the banking business. The AgriculturalDevelopment Bank of china is the sole specialized policy banks Which services the “threerural” development. With its functional role in supporting agriculture continue to strengthen,expanding the scope of business,the credit risk issues are increasingly causing concern anddebate outside the industry.If you do not manage it effectively, it will lead banking businessexpansion difficult, decline in the quality of bank assets, reduced profitability. Moreseriously,the capital chain rupture,the entire banking system cash flow problems. hinderimplementation of national policies, It is impossible for the Agricultural Development Bankto fulfill its policy function better. It is difficult to complete the historic mission of supportingthe “three rural issues” and achieve the policy goal of balanced economic development inChina. Therefore, strengthening credit risk management has a major impact on the reform anddevelopment of the Agricultural Development Bank.It is necessary to identify,measure,prevent and management risk combined the characteristics of the business situation and thedevelopment of the times under the existing conditions.so as to promote the reform anddevelopment of the Agricultural Development Bank.In this paper, the credit risk management of Hami Agricultural Development Bank as theresearch object, It based on the explanations of Agricultural Development Bank’s background,major functions, and its credit risk’s concept, types and characteristics, an objective analysisof Hami agricultural development bank credit risk management present situation, existingproblems, Meanwhile learn advanced experience of risk management from other financialinstitutions, put forward the corresponding measures of credit risk management, It provide abasis to improve the level of risk management and promote the healthy development.