The Research On Credit Risk Management Of Xinjiang Shihezi Bocom Village Banks

After entering the 20 th century,the further development of the financial system reform in our country,with the core business of small and medium commercial bank credit business is facing regulatory continuously strengthen,market-oriented interest rate reform,financial disintermediation,diversification of customer needs,lack of competitive advantage and challenge,to seek credit business more scientific and reasonable market positioning and development pattern,formulated in accordance with their own conditions,small and medium-sized commercial Banks credit business development strategy has become Banks an urgent need to solve the problem.Based on the comprehensive analysis of xinjiang shihezi bocom village Banks,on the basis of internal and external environment,exploration of xinjiang shihezi bocom village Banks credit business development strategy,so as to domestic xinjiang shihezi bocom contribute the village Banks strategic positioning.In recent years,with the country to promote the rapid development of the rural economy to "three agriculture" the broader policy tendency and strong fiscal investment,China's rural economy and the credit environment promoted to a new level,the rural economic development has presented some new characteristics,the demand for financial services and the corresponding changes have taken place,especially in the savings and loan expansion and diversification of loan demand constantly increasing,the loan amount and loan of convenient and quick,and so on.At the same time,the big four state Banks(),built in industry,agriculture,with the advancement of China's financial reform,the business scope gradually tucked into the urban economy,the focus on supporting rural economic development of the serious lack of financial services institutions,makes the contradiction between supply and demand of rural financial supply defect is outstanding,enormous outflow of funds,rural finance in rural areas vacuum phenomenon is increasingly serious,and practice shows that the rural is not lack of profit opportunities,farmers have no lack of profitability,lack is suitable for the rural financial organization form.In this case,the rural banking financial institutions should be based on local farmers' actual needs,from promoting the "three agriculture" the perspective of economic development,increasing farmers' income,positive innovation and optimize the mode of agricultural credit.Is in this context,support the development of county economy in the service "three rural" village Banks came into being.Village Banks generally refers to the China banking regulatory commission on the basis of the approval of relevant laws and regulations,by domestic and overseas financial institutions,domestic non-financial institutions within the territory of enterprises as legal persons,natural persons of the investment in rural areas to set up the main service "three rural" banking financial institutions at the grassroots level.Village Banks located in scattered,small,personalized,the county financial markets,the concise,flexible,corporate governance,strengthen the constraints on the behavior of the power of the bank management,shorten the decision-making chain,formed the procedure is simple,quickly,efficiency high,the more close to the practice of rural business processes to better meet the demand of farmers.Service object of village and town bank of mostly single income,lack of collateral and loan demand,farmers but rural small and medium-sized enterprise credit information opaque,their credit level is generally low,very prone to credit risk,and village Banks may,in accordance with its unique regional and community features,in the daily business and the farmers and rural small and medium-sized enterprises in close contact,thus a more comprehensive and timely grasp the market changes and customer information,adjust business decisions,better promote the rural economy continues to develop steadily.Must according to the actual situation of the "three rural",and through the risk management methods of continuous innovation,exploring the real suitable for rural Banks risk management mechanism,adjust measures to local conditions has the corresponding risk control countermeasures,this not only helps village Banks to strengthen and improve the credit risk management and also can be further arouse the enthusiasm of rural financial sector credit to support agriculture,and for our country the new village Banks avoid and guard against credit risk to provide valuable reality basis,promote the development of village Banks long-term health.As of late December 2015 rural Banks in the country a total of1311,as one of our country's agricultural production in xinjiang,the Banks responded to an appeal by the state and support the development of rural economy in xinjiang,gradually set up village Banks,until December 2015,the xinjiang a total of 22 village bank.This paper takes "the xinjiang shihezi bocom village bank co.,LTD.(hereinafter referred to as' the shihezi bocom village Banks')" as the research object,to its credit risk present situation investigation and study,found the small village bank management,the difficulty of the deposits,liquidity,its ability to resist risk is poor;Weakened by line management strength is insufficient,risk governance structure,capital constraints,moral constraints,and system constraint mechanism in effective;A single loan guarantee way,restricts the development of business;Credit risk management problems,such as lack of consciousness for these problems,it is necessary to in-depth study.