Research On Credit Risk Management Of Rural Commercial Banks Under The Economic New Normal

Credit business is the most important business of commercial banks,but also an important factor in the source of bank profits,but also the most risky business.With the rapid development of China’s economy,the economic development from high-speed growth to high-speed growth,from factor-driven,investment-driven to innovation-driven,commercial banks,credit risk began to show some new features,to credit risk management a new challenge.How to actively cope with the changes in the external economic situation,to adjust the business strategy in time,to strengthen the management of credit risk awareness,to build a scientific risk identification and control system to improve the relevance and effectiveness of risk management has become the focus of the current business work.Most of the rural commercial banks are converted into rural credit cooperatives,and their credit behavior is mainly reflected in the two aspects of supporting agriculture and corresponding credit risk.As the main body of ruralfinancial institutions,its clients and profit sources are mainly "three rural",community and small and medium enterprises.Compared with state-owned and joint-stock commercial banks,the economic quality of rural commercial banks is lower,the uncertainty of operation is greater,and the policy limits are higher.Therefore,it is necessary to construct a risk management system of rural commercial banks in order to effectively prevent credit risk.On the basis of the general analysis of bank credit risk and its management,this paper takes Jiangsu Zijin Rural Commercial Bank as an example to study the credit risk and its management status of the bank and compare it with the overall situation of the national agricultural credit system.Analysis of the diagnosis.According to the characteristics of rural commercial banks and the actual situation faced by Jiangsu Zijin Rural Commercial Bank under the new economic conditions,the credit risk management system is constructed and the corresponding policy and system guarantee conditions are put forward.