Study On Credit Risk Management Of Changchun Development Agricultural Commercial Bank LS Sub-Branch

Rural credit cooperatives since its inception, has been to the role of main force in rural finance, changchun agriculture business bank as a branch of jilin province rural credit cooperatives, but also bear the important role in the development of rural financial market plays an important role. Agri-businesses bank risk once appear, may cause the financial crisis, even extremely profound impact on the economic operation of this area. Its quality is directly related to the steady development of rural economy, jilin is a big agricultural province, the \ "SAN nong\" occupies an important position in the economy. As a main force in rural finance, rural credit cooperatives jilin province always bear the \ "farmers to get rich, micro enterprise growth, residents societe generale\" responsibility and mission. As of June 2015, the province’s rural credit cooperatives agricultural loan balance, 1005 1005 yuan, the year increase of 6.3%. Micro, small and medium enterprises loan balance of 96.92 billion yuan, an increase of 8.7%. In view of the loan balance increase, more to strengthen the liquidity risk management, contingency plans, step by step strict controls of reputational risk. Are strengthening supervision of the board of supervisors. Comprehensive carding perfect professional line system, advancing the process construction of bank. Constraints and enhance the capital management, strengthen risk assets control. To strengthen and local party coalition collection, to crack down on malicious enforcement actions. In the first half of the total collection activation of non-performing loans of 760 million yuan.Although collect more productive, but in the first half of 2015, the province of new bad loans 2.288 billion yuan, the recessive bad digestion year several county association 1.521 billion yuan, pure new non-performing loans of 767 million yuan; Cumulative collection into stock of bad loans is 763 million yuan only. Interest settlement schedule of a large number of loans they can’t take back or not, cause deviating from the amount of 7.453 billion yuan, five classification deviation value 4.13%, rose 2.34% in the year.Changchun agri-businesses bank since its inception, development fast, every business has a rapid development, but at the same time of development is faced with various problems. As the banking financial institutions, loan business is the main source of income, but unlike urban housing mortgage loan, the rural credit business and corporate loans is also different, completely is according to the farmers land acreage to constant the size of the loan amount. And, as farmers housing, cannot be mortgaged to the bank for loan cannot be returned, so how to control the various risks of rural credit, the Banks can to minimize the risks in lending for rural, became a key problem. Changchun agri-businesses LS branch since its inception, although has been expanding its business development, but also for a long time there is a bad loans. As of September 2015, LS 20 million branch agricultural loans, off-balance-sheet non-performing loans in 10 million, accounting for 50% of the total amount of the loan. Generally speaking, the main risk of rural credit for three reasons, one is the objective factors, such as natural disasters, family accident, borrowers major diseases and other reasons, Second, subjective factor, namely the bad credit environment atmosphere, make a lot of borrowers default on purpose, fled, unwilling to reimbursement; 3 it is to their own problems, customer manager, internal and external collusion with the borrower, or intentionally for not eligible DaiHu lending, or to lend and so on.Cannot repay loans, and credit risk gradually increased, will inevitably endanger the safety of bank’s own management and development. So for a bank, a bank loan risk management has very important practical significance. In a competitive market environment, the bank loan risk management does not reach the designated position, can lead to the loan funds can be collected back directly even become bad debts, light person certain economic losses to the Banks, the person that weigh even cause of bank failures. And strengthen the risk management of bank’s loan, loan from the conditions of the loan review to track all have certain scientific standardization, promoting the standardization and regularization of bank internal management, to ensure that bank loans in a timely manner, and ultimately improve the efficiency of credit management, and only established a clear and reasonable scientific management targets to organize other link, establish a perfect management mechanism, to obtain the best management performance.Discussion, this article through to the rural credit risk management about the current domestic Banks to conduct the thorough research to the sources of rural credit risk, analysis of rural credit risk, and how to control the risk in the future, make the LS branch credit business development better, to be able to make more loans don’t loss, the bank’s business development for the future can play a role of thrust.