Research On Credit Risk Management Of CZ Rural Commercial Bank

The credit risk of comm ercial banks, is because the bank is affected by various uncertain factors, the results of the actual business of bank credit business and the expected goal produces greater deviation, re sulting in loss of bank uncertainty. In recent years, with the development of China’s capital market is gradually opening up, further enhance the degree of internationalization, the reform of commercial banks to further accelerate, the o peration of commercial banks and the dev elopment of the macroeconomic environment is becoming more and more complex, the credit risk has become one of the core of the normal operation of the risk of commercial bank. Credit risk will not only directly affect the normal operation and development of commercial banks, but also will affect China’ s macro economy healthy and sustainable development and social stability. The present situation of the credit risk m anagement of commercial banks in China and the in creasingly complex international economic environment have prompted comm ercial banks to im prove credit risk m anagement level, improve the bank credit m anagement system has become a pressing m atter of the moment of China’s commercial banks.This paper first analyzes the background and significa nce of the credit risk management of the present stage of CZ rural commercial banks, and summarizes the domestic and foreign scholars on the study of dynamic credit risk m anagement of commercial bank, the concept, characteristics, a brief overview of credit risk of commercial banks credit risk influence on economic development and the new Basel Capital Accord, which lays the theoretical foundation for the developm ent of study the following. Based on the analys is of the current situa tion of CZ rural commercial bank credit risk m anagement and the ex isting problems, the study found that the existed problems of credit risk m anagement awareness is weak, the internal credit assessment system is not perfect, credit risk early warning system is not perfect, the internal control system of CZ rural comme rcial bank credit risk m anagement. Then according to the des ign principles of credit risk early warning sys tem of CZ rural commercial bank, the optim ization design of the three aspect s of credit risk management system of credit risk m easurement, credit risk con trol, credit ris k management performance.According to the credit risk management status of CZ rural commercial bank and the existing problems are pu t forward in the security measures of CZ rural commercial bank credit risk m anagement. Specific measures include: one is, p ut forward to strengthen personnel training and improve risk prevention awareness; two, optimize the internal credit rating system; three, improving risk measurement model to improve the c redit risk ear ly warning system, perfecting th e loan m anagement system; four, the internal control system, optimization. This not only has im portant theoretical significance to enrich the rural commercial bank credit risk theory research, but also important practical significance to improve the efficiency and safety of the loan business of commercial banks in the rural areas.