Research On Credit Risk Management Of LL Rural Commercial Bank

In recent years,the rapid development of the financial industry market China,in order to solve problems encountered in the process of local development and reduce rural savings difficulty,rural credit cooperatives have been developed in the background of this development,and presents increasing trend.To serve the "three rural" for the purpose of the construction of rural credit cooperatives,it is the local government in order to change the local economic development,to provide a series of preferential financial services to local small and medium enterprises,help the regional economic development and improve people's livelihood,plays an irreplaceable role in helping the local government economic development in rural areas.Credit risk is a big problem that all commercial banks will encounter.It will cause large amount of bad loans to banks,which will restrict the healthy development of the banking industry,especially in the rural credit cooperatives of our country.This paper chooses the credit risk management of LL rural commercial bank as the research object,from the six aspects are summarized,the research results are given,and the results are described in the article on the research and analysis of the situation.The first part is the introduction,mainly introduces the research background,purpose and significance,and research methods and innovation of the rural commercial bank;the second part is the summary,is mainly to introduce the research status quo of credit risk management of commercial banks at home and abroad;the third part of the selection of LL rural commercial bank for example,the current credit risk management are analyzed;the fourth part is the analysis of the current credit risk existing in the LL rural commercial bank has been analyzed from two aspects of internal and external,leads to the conclusion that credit risk breeding conditions;the fifth part is the existing problems about perfecting the management system of credit risk solutions,mainly from the credit delivery mechanism,credit risk early warning system,personal credit rating,the credit personnel team construction Set up and improve the external environment,puts forward the suggestion to perfect the construction of control system and the credit culture of the seven aspects;the last is the conclusion of the paper statement simple,explain the research results and countermeasures as to reduce the risk of rural commercial banks in the development of solutions.