An Investigation About The Credit Risk Of A Rural Commercial Bank

Since 2012,the domestic economic growth slowed down,economic system began to transform,the adjustment of industrial structure accelerated,and the demand of domestic and foreign began to decline.Such as iron and steel,coal and other industries with excess capacity,the risk was exposure concentratedly.The superposition of all sorts of factors t led to the risk of debt of enterprises increase significantly,especially in the field of small and medium-sized enterprises."The fund chain break" has become a popular vocabulary which was well known.Under such environment,the credit asset quality of banking general declined.A rural commercial bank is located in A city(county),which the economic development level is medium in Jiangsu Province.In the past three years,A rural commercial bank market share of deposits and loans was the first in the local financial institutions,played an important role in the social and economic development of A city.Therefore,surveying of A rural commercial bank credit asset quality status,analyzing the main reasons of the credit risk,select the appropriate strategy to prevent and resolve the credit risk.It is full of practical significance for realizing sustainable development of A rural commercial bank and the healthy development of A rural economyThe method of this paper is case analysis,study the credit risk of A rural commercial bank by using survey data.This paper is divided into five parts:The first part briefly introduces the research background and significance,the relevant concepts,literature review at home and abroad,the main research contents and methods,laying the theoretical foundation for the follow-up study;The second part mainly carries on the analysis to the credit asset quality and credit Risk management ability of A rural commercial bank,The analysis found that the level of credit asset management of A rural commercial bank has steadily improved in recent years,but some problems still exist:the loan structure should be optimized,Loan-to-deposit ratio is higher than the national average level;the term of the loan structure is not reasonable,short-term loans is higher;high concentration of loans,The top ten customers concentration and industry concentration is high;non-performing loan rate increased,Anti risk periodic capability needs to be improved,rural business loans had a larger proportion,the risk exposure concentration.The third part analysis the causes of bad credit assets of A rural commercial bank basing on the borrowing enterprise data,namely existing mistakes of A rural commercial bank in the daily risk management:lack of reasonable credit planning about industry,adjust quantity and direction of credit is not timely,the level of concentration in industries is high;pre loan investigation is lax about customer willingness to repay,loan purposes,credit rating;after the loan investigation is not in place,the ability risk control is weak,the ability of dynamic tracking risk need to be improved;the lack of high-quality talents for the credit risk,the credit staff's lack of credit awareness of risk.The fourth part from the view of bank credit management,combined with the third part of the paper reflects the problems,analysis the present situation of A rural commercial bank credit risk management from the credit risk management organization structure,credit risk identification and measurement,credit risk monitoring and control,non-performing loan clearance,find out the main problems in A rural commercial bank credit risk management.The fifth part summarizes the results of this study,put forward countermeasures and suggestions to improve the level of credit risk management of A rural commercial bank:adjust credit structure,balance the industry risk,the credit management department should formulate a scientific and reasonable credit plan,based on the existing credit as the focus,making full use of incremental,determine a reasonable credit structure,making credit decentralization objectives in different period and industries;To perfect the management structure,improve the specialized division of labor,improve the professional of risk management committee,to strengthen communication of the risk management department and the business sector,make risk management throughout all aspects of credit risk,to ensure the division of labor clear and operation independent of credit business and risk management;for pre loan review,should pay attention to the source of repayment and loan purposes,a breakdown of the different types of customer access conditions,pay attention to the authenticity of financial statements;for post loan management,enhance on-site investigation efforts,to further refine the loan classification standards,strengthen the intensity of bad loans;Focus on investment in science and technology,strengthen the support of electronic information system,use large data mode risk management mode,actively expand access to information,introduce of advanced rating mode,establish dynamic and scientific and perfect risk management system;strengthen talent cultivation and team building,implement the performance management system,perfect the system of rewards and punishments,improve staff awareness of risk.