Research On Risk Management Of Taishan Rural Commercial Bank

Rural credit cooperatives since at the beginning of the 20th century,50 years since its establishment,has gone through 60 years of ups and downs,from the initial positioning services in rural areas of non bank financial institutions,after decades of development,to now rural credit cooperatives has as the main force of rural finance,the service "agriculture,countryside and farmers" as their purpose,to increase the income of farmers,agricultural production and rural economy development made a significant contribution.However,China’s rural financial market is still in an imperfect stage,risk management is one of the main problems in the management of rural credit cooperatives.In risk management,lack of experience,is also difficult to from the successful experience of foreign countries,copy,exposed some problems of the development process.At the same time,the risk management of rural credit cooperatives restricts them to give full play to the main force of rural finance,especially in under the influence of the institutional,economic and environmental factors,rural credit cooperatives exists huge non-performing assets,irregular internal structure and system is not perfect and so serious problem,its development faces severe challenges.Firstly on the basis of the theory of financial risk management,from the theory of main risks of rural credit cooperatives were summarized,introduced the meaning of the financial risk,characteristics,main types and performance,and mainly introduces the theory of risk management,and in theory on the basis of risk into the understanding and recognition.Secondly,to t rural commercial bank as an example is systematically analysis the T rural commercial bank risk management in the existing problems,including institutional risk,credit risk,operational risk,risk management technology,backward culture and integrated ability of risk management and risk management information system system not perfect problem.And analysis of the T rural credit cooperative risk management and control of internal and external factors,external environmental factors include the natural environment,political environment,industry environment,the credit environment and the competitive environment;internal environment factors including imperfect corporate governance structure,internal control binding,the risk management system is not perfect,and the credit management lax and other factors.And thus basis expansion of T Rural Credit Union risk management discussion,analysis of the causes of these problems,combined with the theoretical research on t rural credit cooperatives risk management,puts forward personal advice.