Research On Credit Risk Management Of Rural Commercial Bank Development Of Changchun

The economic development of China can’t depart from the support of funds, thebanking sector provides sustainable driving force for economic development in ourcountry. Banking as a special enterprise monetary fund management, riskmanagement is the eternal topic. Banks are the main business deposit and loanbusiness, credit risk management of Banks is very important for the continuous andstable development. Rural commercial bank is the reform of rural credit cooperatives,rural commercial bank market positioning service to agriculture, rural areas andfarmers, micro, small and medium enterprises, service the local economy. By the endof December2013, our country has set up rural commercial bank breaks through300,rural cooperative Banks break through200. For now, the bank has become a servicethe local rural economic development, small and medium-sized enterprisedevelopment and residents’ financial needs of financial woes. Therefore, thesustainable development of bank about agriculture, rural areas and farmers and thehealthy development of small and medium-sized enterprises, only do a good job inbank risk management to keep stable development of economy in our country.However, our country basic by reform of rural credit cooperatives, ruralcommercial bank problems left over by history, internal management system and theimperfection of the internal control system, combined with the weak domesticeconomy, economy is in a downward legs, manufacturing index (PMI) and real estateprice index is in bad condition, affect the whole macro economic operation. Morebank was found a lot of serious problems, mainly involving the non-performing loans increased, poor operating performance, investigate its reason, mainly is the bank itself,the overall risk management and internal control system is not perfect. Bank riskinternal control system of our country, slower, insufficient recognition of employees’understanding of the overall level, rural credit cooperatives and the bank overall staffquality needs to be improved, although in recent years, increasing personnel reform,through internal potentialities and training talents, external attracting outstandingtalent, but with the modern financial markets require level don’t match, as a result, thepotential vulnerability of credit risk control. With five-year economic reformdeepening, the financial reform further deepening, the marketization of interest rateon a trial basis, gradually between Banks will be more competitive, the bank onlyimprove internal credit risk control, improve the market competitiveness, improve thebrand influence, build perfect internal control system, in order to have a toehold intoday’s tight financial market competition.Recently Commercial Bank of Rural Development of Changchun, due to theeconomic downturn and the imperfection of the system of commercial bank creditrisk control process node, loan operation is not standard, customer manager overallquality is low, such factors as the construction of social credit system is not sound, thedefault phenomenon, rising non-performing loans, the loan quality decline, financialrisk, this kind of phenomenon has alarm, enhancing Commercial Bank of RuralDevelopment of Changchun credit risk management is imminent, strengthen creditrisk management has become the agribusiness bank need to solve the problems inCommercial Bank of Rural Development of Changchun.Taking Commercial Bank of Rural Development of Changchun as theresearch object, combined with the new Basel capital accord and the actual situationof the current our country commercial bank credit business development, by themethod of observation and investigation, Commercial Bank of Rural Developmentof Changchun credit business in the investigation. Credit business management theory and t Commercial Bank of RuralDevelopment of Changchun of corporate credit business environment, forCommercial Bank of Rural Development of Changchun credit businessmanagement provides a set of risk management of the new silk road and acomprehensive measure of Banks’ risk control management, system and techniquerequirements, to the credit risk management level is not very developed our countrycommercial bank to provide strategy and development suggestion.