Research On Credit Risk Management Of Wuxi Rural Commercial Bank

Recent years,with the rapid development of China's economy,the financial market has also been improved.The rural commercial banks are an important part of China's rural financial market,which plays an import role in serving “agriculture,rural areas and farmers”,promoting the development of small and medium enterprises and promoting the economic development of rural areas.It also plays an important support for the integration of urban and areas.However,China's rural commercial banks are in the early stages of development now.The structure of financial products is simple,the market is small,and the means of supervision is relatively backward,so the development is not very good.Credit business is the core business of commercial banks,credit risk is also the main risk faced by commercial banks.At present,China's rural commercial banks attach importance to risk management is not enough.Because of the heavy burden of history,the overall quality of personnel is not high and the rural economic environment resulting in credit asset quality is not high,China's rural commercial banks are generally faced with great credit risk.In the current complex economic situation,the existing level of credit risk management is difficult to maintain stable operation and healthy development,credit risk management has gradually become the important subject of rural commercial banks developing rapidly in our country.Therefore,through the study of rural commercial bank credit risk management,it is of great significance to improve the quality of credit assets,promote the development of the commercial banks and the development of rural economy.Base on the above background,this paper first elaborates the theories of credit risk management and analyzes the current research situation of credit risk management at home and abroad.Then,taking Wuxi Rural Commercial Bank as an example,this paper analyzes the current situation of credit assets and the main contents of credit risk management of Wuxi Rural Commercial Bank.The credit assets is analyzed in the view of loan structure,concentration of loans and the industry's average level.In addition,this paper also analyzes the experience of credit risk management of commercial banks in the United States,Germany and Singapore,this paper introduces their advanced management methods and draws the inspiration to the credit risk management of commercial banks in China.Finally,combined with the characteristics of Wuxi Rural Commercial Bank itself,this paper puts forward some suggestions on perfecting the credit risk management through the analysis of above: constructing scientific credit mechanism,establishing perfect internalmanagement system,perfecting credit risk early warning mechanism,strengthing the construction of credit personnel,creating a good credit environment.Due to the limitation of the quantity and accuracy of the data obtained and the limitation in my theoretical knowledge and practical experience,the research on the credit risk management of Wuxi Rural Commercial Bank may be not enough.Some suggestions that I put forward are not perfect and needs further studies in the practice.