Research On The Credit Risk Management And Control Of County Banking Institutions

The stability of county finance is related to the sustainable development of county economy,and the prevention of financial risk is the key to stabilize the county finance.For the county finance,the biggest risk is the credit risk.The main content of this paper is to guard against the credit risk of the county finance.The whole article consists of five parts:The first part,the introductory part.At the beginning of this chapter,the research background of this paper and the theoretical and practical significance of the research are expounded;research status at home and abroad are summarized and the research contents of the second review;furthermore introduces the research goal of this paper and the framework.The second part is the basic theory.First of all,the definition of county finance county financial risk concept,inspects the pattern analysis of county financial risk and the characteristics of county financial risk;secondly expounds the basic theory of credit risk management,to lay a theoretical foundation for the writing of the thesis;then it analyzes the relationship between financial risk and financial governance.The third part is about the mechanism of credit risk in Meihekou County,Jilin province.The current status of the development of county finance in Meihekou city in Jilin province is summarized,which lays the foundation for the risk;secondly from policy risk generating texture,texture,formation of environmental risk credit risk and operational risk to generate texture generating texture,texture,formation of market risk legal risk generating texture six angles of theory and practice the combination of the form to analyze the formation mechanism of credit risk in Meihekou County of Jilin province.The formation mechanism of the fourth part of the Meihekou County bank credit risk,the use of risk management theory,put forward the optimization measures of prevention and control of credit risk in Meihekou County bank,points out that we should strengthen the legal construction of rural credit,accelerate the external supervision system construction,to create the perfect agricultural credit risk compensation mechanism,perfecting rural social credit system construction supervision,rewards and punishment the mechanism,strictly control credit audit and other aspects to strengthen the Meihekou County bank credit risk prevention and control optimization.The fifth part is the conclusion,which makes a systematic summary of the full text,points out the shortcomings of the paper,and prospects the future research direction...