The Research On Credit Risk Management Of Rural Commercial Bank Of G City

The rural commercial banks are reformed from the original rural credit cooperatives.The positioning in the market is service the small and medium-sized enterprises and the local economy when it is established.It takes important responsibility to develop the local economy,service to agriculture,rural areas and farmers,micro,small and medium enterprises and plays a very important role in stabilizing the regional economy and promoting the harmonious development of the society.Rural commercial bank developed rapidly in recent years,and a lot of achieved a lot,but more and more problems exposed and credit risk happened.Credit risk is one of the main risks facing the rural commercial bank in our country.So the improvement of credit risk management is important part of rural commercial bank risk management.In this paper,combined with previous credit risk management experience conclusion,I analyzed present situation of the G city rural commercial bank's credit risk management.On the present situation of the bank credit risk management and analysis on the credit date,we can find out the problems existing in the credit risk management,including credit management implementation not in the designated position,behind the level of credit risk management,lack of credit management ranks with high quality,unreasonable credit structure,missing a system of recognition and warning the credit risk.To solve these problems,this paper analyzed the reasons behind the credit risk,including poor credit environment,asymmetric information,The defective Legal environment,external supervision being not in place,intervention of local government,and congenital deficiencies leaving by history,Congenital deficiency left over by credit management process,Oversight of credit management process,unsound system,credit culture construction blank and so on.Finally based on the problems founded in front of this paper,we can give some workable suggestion: perfecting the bank internal control system,setting up the operational system of credit risk identification,warning and evaluation,strengthen personnel training,attracting high-quality risk management talent,formulating scientific and reasonable credit mechanism,strengthen the construction of credit culture,etc.The study of rural commercial bank credit management makes for the improvement of the bank assets quality and can promote the development of local economy,the completion of the harmonious society.