A Rural Commercial Bank Credit Risk Management Research

In recent years,with the continuous improvement of China's financial market reform,rural financial markets have also undergone enormous changes.As a financial institution which has been restructured by rural credit cooperatives,rural commercial banks have made great contributions to the development of rural economy in the service of "three rural" which means "agriculture,rural,farmer",and serving township enterprises.It has played an important role in the stable development of China's economy.However,due to various historical and practical reasons,the restructuring of the rural commercial banks,subject to a single product,the quality of staff uneven,poor quality of service providers and other factors,credit risk prevention and control is still the most important.In the near term,the credit business is still the main asset business and business profit point of the Rural Commercial Bank,therefore,the credit risk prevention and control for the future development of the Rural Commercial Bank is particularly important.The credit market competition faced by Rural Commercial Bank has also been increasing.It has made great demands on strengthening the credit risk prevention and control.It is of great significance to construct a scientific and reasonable risk management system for the healthy development of rural economy and rural commercial banks TheThe theoretical basis of this paper is composed of comprehensive risk management theory,information asymmetry theory,asset liability theory and principal-agent theory.Using the literature research method,expert interview method and case analysis method,by drawing lessons from the latest research results of credit risk management of domestic and foreign commercial banks,The credit risk management of rural commercial banks is classified and characterized,and the procedures of credit risk management are sorted out.Taking the rural commercial bank as the research object,this paper analyzes the current situation of credit risk management of A Rural Commercial Bank,finds out the problems and the causes of the problems,and puts forward specific solutions to these problems.The study suggests that that there are two main problems in the credit risk management of A Rural Commercial Bank:First,the quality of credit personnel is not high,and the credit risk early warning system is not perfect.The main reasons for these problems,the quality of clients is uneven,local government intervention,affiliated enterprises "big barrier" greater risk,macroeconomic situation affects the normal business.In order to improve the credit risk management,the study considers that the credit risk management of A Rural Commercial Bank should be divided into long-term and short-term goals.The long-term goal is that the non-performing loan is less than 1%;the risk management strategy is perfect;the credit risk management institution is sound;Evaluation system and credit credit system.The second is the credit risk management institutions are maturing,the credit risk management system and process in line with the A Rural Commercial Bank credit risk management needs;third is to establish and improve the risk early warning system and credit System;four non-performing loans less than 3%.To achieve the objectives of credit risk management,the specific operation should follow the following three principles,comprehensive risk management principles;qualitative,quantitative combination of principles,the principle of operability.The above theories and countermeasures can be used to improve the credit risk management of A Rural Commercial Bank by establishing the scientific risk early warning mechanism,strengthening the credit risk management team construction,and enriching the guarantee mode of "guarantee circle".To ensure the smooth realization of the above measures,A rural commercial banks from four aspects of protection,that is,organizational security,personnel protection,external information security and marketing services protection.The conclusion not only provides the thinking for the credit risk management of A Rural Commercial Bank,but also provides reference for the credit risk management of other similar financial institutions.