Research On Risk Management Of Individual And Commercial Households Loans Project For Guoxin Rural Bank

It has been very difficult to meet rural financial needs and this kind of needs has been in short supply for a long time. Based on consideration of the interests, the traditional commercial banks can not satisfy rural financial services and products, but act as rural finance "pump" and transfer the rural funds to the city. In order to promote rural economic development and optimization of financial resource allocation, our country has established somenew rural financial institutions in rural areas. The rural banks as an important class of new rural financial institutions, which effectively resolves the insufficient supply of rural finance to provide other direction. However, due to the constraints of its size and operational aspects, the of rural banks meet difficult during the existence of the loan problems.In this paper, research on Guoxin Rural Bank individual and commercial households loans project, we analysis Guoxin Rural Bank individual and commercial households loans project risks which includes: basic principles and methods of Guoxin Rural Bank individual and commercial households loans project risk identification, and identified credit risks. Assessment Guoxin Rural Bank individual and commercial households loans project risk: specifically including based on Guoxin Rural Bank individual and commercial households loans project risk recognition result, according to the principles and methods of Guoxin Rural Bank individual and commercial households loans project risk assessment of Guoxin Rural Bank individual the specific characteristics of the actual risk of businesses financed project to analyze and make an objective assessment, and provides solutions for risk management and control Guoxin Rural Bank of individual and commercial households loans project.In this paper, we review the relevant literature, and point out relevant researches focused on bank project loan risk management aspects of the problems and reasons, risk identification and evaluation of loan projects, control loan risks of the project and so on, we get the object of our study, namely research on risk management of individual and commercial households loans project for Guoxin Rural Bank. The risk characteristics and trends Guoxin Rural Bank project loans. Risk identification and assessment Guoxin Rural Bank individual and commercial households loans project, including project loan risk factors identified, analyzed, risk identification processes, methods, and Guoxin Rural Bank individual and commercial households loans project risk factors, the risk index system of selection, should pay attention to the problem establish indicator system to assess loan project risk evaluation model. Finally, the letter describes the principles of Guoxin Rural Bank individual and commercial households loans project risk control, follows the principle of comprehensiveness principle, adaptability principle, the principle of independence and integration of the development, design control loans project risk, individual and commercial households loans project risk control measures, including the business loans processes need to be further standardized, establish a scientific and effective risk prevention mechanism, strengthen the introduction of professional and experienced talents, innovative financial products and services, improve the internal management information system. Through the above analysis, proposals to enhance Guoxin Rural Bank individual and commercial households loans project risk management effectiveness, including regulation bank’s internal operating procedures, strengthen risk management awareness, improving employees professional quality, development of personalized financial services products, improve the internal management information system and strengthen the role of audit supervision.