The Research On Credit Risk Management In Y Branch Of ADB

CPC Central Committee and State Council takes on increasingly importance of the agricultural econom with the "three rural" issue in improving the socio-economic development process, food security is elevated to the height of the national strategy.Agricultural Development Bank takes a high importance in promoting economic development in agriculture, increasing agricultural investment, promoting the new rural construction. Although the Agricultural Development Bank basing in the national credit-based, providing financial services policy for agricultural development by raising public funds, but still need to follow the basic rules of commercial banking operations in its management process. Especially in the commercial credit field, because the borrowers, money and period of loan, the risk was significantly higher than commercial banks, the importance of credit risk management and control has been increasing.In this paper, the author took the Agricultural Development Bank Y as the object study, though analyzing the risk management status of credit business, pointed out the problems in the credit risk management, such as lagging credit risk management concepts, not perfect of credit risk management control system and process control, loan quality should be improved, analyzed the internal and external causes of the problems;on the basis of clearing the objectives and principles of optimization, formulated the optimization program from credit risk management philosophy, organizational structure,management processes and management methods. specifically included fostering the advanced credit risk management culture, progresing the organization of steady,improving the credit business critical processes constantly and improving credit risk management practices. The last chapter discussed the safeguards for the implementation of optimization program, specifically included strengthening credit account manager team building, sounding risk management information system, credit internal control implementation of capacity building, establishing warning and compensation mechanism of credit risk.The authors hopes through this research leading to the Y Bank managers focus on credit risk, improving credit risk management and control, promoting the transformation and upgrading strategy of Agricultural Development Bank, at the same time providing a theoretical reference for the other branches of the Agricultural Development Bank credit risk management and control work.