Research On The Risk Management Of Merged To Form Shaoyang Rural Commercial Bank

With the rapid development of economy and the deepening of banking reform, the survival and development of China's rural credit cooperatives has brought serious challenges. Insufficient financial strength, limited service level, high non-performing assets are the main problems faced by rural credit cooperatives. In this economic system, the economic strength of the rural credit cooperatives is difficult to gain a firm foothold in the city commercial banks, so it becomes the main way of the rural credit cooperatives.The presence of Shaoyang City is dominated by large commercial banks, Huarong xiangjiang Bank financial institutions, such as small and medium-sized bank rapid development, relying on its unique policies in the rural market, rural credit cooperatives are no longer independent, more and more financial institutions choose to enter the rural market,Shaoyang rural credit cooperatives in the fierce market competition environment. January2012, Shaoyang City the first local commercial bank merger is "to celebrate the Agricultural Bank of China Co., Ltd."(hereinafter referred to as "treasure" was established, but "treasure" is formed after the merger of bank development speed is relatively slow, decided to re and Shaoyang City on the outskirts of the Rural Credit Cooperatives hereinafter referred to as the suburbs formation become Shaoyang rural commercial bank. Based on the background of the rural commercial bank, on the basis of reading a lot of literature, firstly expounds the feasibility and necessity of Shaoyang City Rural Credit Cooperatives merged,then with the credit risk, market risk, operational risk, legal risk and reputation risk five angle of Shaoyang City rural commercial bank merger formed various risks and specific reasons, finally, from the strengthening external supervision and internal risk prevention aspects put forward the corresponding countermeasures.Rural credit cooperatives must speed up the transformation, improve the hard power of banks, expand the development space, so that the rural credit cooperatives in the new economic environment to form a correct choice. In this paper, through the analysis of Shaoyang, the formation of the various risks faced by the rural commercial banks, and put forward the corresponding countermeasures, to provide reference for the formation of rural credit cooperatives in our province.