Study On Credit Risk Management System Of Rural Bank In Taojiang

Credit risk has always been the most attention as the risk of banking institutions.Establish a scientific and effective credit risk management system and improve the management level of credit risk is the rural banking institutions' healthy development of the internal needs,which based on the foundation and the safeguard of the rural and rural services,and also services for these areas.This paper taking credit risk management of Taojiang Jianxin rural bank which is one of the new-type rural financial institutions as the research object,in order to improve credit risk management level of the Taojiang Jianxin rural bank based on the analysis of the status of credit risk management,and also provide the necessary reference for the development and the modern credit risk management system construction of new-type rural financial institution in our country.In this paper,first of all,the domestic and foreign credit risk management theory are summarized,with the theory of analysis and induction as a clue,the credit risk management of the credit risk management of the the Taojiang Jianxin rural bank was investigated and studied,and found that the credit risk management of the Taojiang Jianxin rural bank has the existing service object inherent risk attributes,lack of internal management mechanism,credit business inspect,examine and monitor are not enough scientific rigor,employees have low risk management level and professional quality of four kinds of problems.These problems are analyzed from inside and outside and find the reasons.The internal reasons are the unscientific design of the main mechanism of credit risk management,the unfavourable internal credit risk management system and the inferior quality of the staff who can not be completely matching risk management requirements,and the external cause mainly is the imperfect construction of social credit system.On the basis of this,the risk management methods and risk management techniques in the credit risk management of the credit risk management of the Taojiang Jianxin rural bank are analyzed and discussed.Finally,from four aspects of the rules and regulations,functions of departments,staff quality and credit environment,the paper puts forward the supporting measures for the implementation of the credit risk management program of the Taojiang Jianxin rural bank.This paper in the course of the study by using the related theory of credit risk management,the reconstruction of the credit risk management system and the reengineering of the credit business process of the Taojiang Jianxin rural bank are carried out by overall design and planning,in favor of Taojiang Jianxin rural bank to establish a finished whole and scientific credit risk management system and solve the problems existing in the credit risk management.At the same time,it also has a certain reference value for other types of new rural financial institutions to build credit risk management system.