Research Of T Village Banks Credit Risk Management

"SAN NONG" is the major problem of the current economic and social development in our country, affecting the process of realization of a well-off society in an all-round way, at present, the development of the rural economy is delayed by many factors,the development level is relatively backward, especially the lack of financial capital phenomenon is quite serious.The appearance of Village Banks, ease the symptoms to a certain extent, also fufil our country's rural financial system, and improve the rural financial service level at the same time. But the risk is always exist, As Village Banks doing credit business, and pursuit profit on the road, it will inevitably produce the credit risk problem. Credit risk management is the key to the steady and safe operations of commercial Banks, credit risk is inevitable but we will be able to prevent and control them, good risk management mechanism and measures can effectively prevent and control the credit risk. Under the new situation, how to strengthen the village bank's credit risk management, promoting the healthy development of village Banks,so that the village Banks can better service for the rural economic development, has important practical significance.T village Banks have a short history, but the credit business development is quite faster, due to internal management does not reach the designated position, the external environment not beautiful, also faces the severe situation of credit risk. Through the study of the research of T village Banks, aims to analyze the T village Banks credit risk factors and risk management problems, put forward targeted credit risk management measures, to give priority to with agriculture region village Banks credit risk management guide to learn from.Firstly, combining with the current rural banking business and the development background, from the domestic and foreign scholars on the research status of small and medium-sized Banks' risk management, review village Banks risk management research present situation. Secondly, this paper introduces the basic situation of the T bank and the present condition of the credit business, analyzes its credit risk, liquidity risk, operation risk in terms of specific performance, and from the rural economic base, the construction of credit system, corporate governance mechanism, the supervision and control mechanism, the personnel structure, financing and financial regulation deeply analyzes the internal and external environmental aspects, such as the risk causes. Then, from the internal control management mechanism construction, the process design of credit, the customer credit rating mechanisms, risk monitoring mechanism and so on several aspects elaborated the T bank credit risk management present situation, on this basis, combing the T village Banks in credit risk management is a lack of comprehensive risk management, risk management system is not sound, risk management techniques and means lag behind, lack of professional talent team, etc.Finally, to T bank credit risk management objectives as a starting point, from strengthening the risk identification, risk measurement, risk early warning and risk control, guarantee mechanism construction put forward countermeasures to prevent and control the credit risk.