Study On Credit Risk Management Of M Branch In Changsha Rural Commercial Bank

Analysis of the current banking risk management,credit business management risk is the main component of its content,the continuous expansion of financial markets began in the nineties of last century,after which there have been a variety of different financial instruments,but also caused the Credit business risk continues to improve,that is to say the banking industry to long-term development,it must be on the credit risk management.As a rural commercial bank,which is a transition from rural credit cooperatives,the establishment time is not long.The understanding of credit risk management is relatively simple,and the increasingly fierce commercial bank market competition makes the credit environment very complicated,and therefore more than other commercial banks.More credit risk.This paper chooses the M branch of Changsha Rural Commercial Bank as the research object of credit risk management,hoping to provide effective solution for credit risk management of the bank.Based on the relevant research background and the significance of research,this paper sets out the theoretical basis for the improvement of credit risk management of M sub-branch of Changsha Rural Commercial Bank in combination with the theory of credit business risk and credit risk management related to this study.Secondly,it analyzes the status quo of credit risk management of M sub-branch of Changsha Rural Commercial Bank.Through the analysis of the present situation,it analyzes the problems existing in the credit management of M branch of Changsha Rural Commercial Bank,including the inaccurate classification of credit asset risk,Credit rating distribution is not scientific,credit management of the three check work is not in place,the lack of credit risk management database construction;and for the above problems that point out the reasons.Finally,the paper puts forward the improvement plan for the credit management of M branch credit in Changsha Rural Commercial Bank.The improvement plan includes the guiding ideology,the principle that the design should follow,the overall structure of the scheme and the concrete implementation of the scheme,such as perfecting the credit Asset risk classification management,improve the credit risk rating system,standardize the credit risk management process,optimize the information technology support system.It is hoped that the conclusion of this paper will not only play a role in perfecting the risk management of M branch credit in Changsha Rural Commercial Bank,but also will promote the credit risk management of other rural commercial banks that are reforming.