Research On Credit Risk Control Of Zaozhuang Rural Commercial Bank

The 19th National Congress of the CPC put forward the strategy of rejuvenating the countryside and pointed out that it is necessary to deepen the reform of the rural land system,build a modern agricultural industry system,promote the coordinated development of the three rural industries and provide a direction for financial institutions to serve the "three rural issues." Rural commercial banks,as the mainstay of rural finance,must attach great importance to the risk control during the expansion of the stock of financial capital.Since their birth,rural commercial banks have focused on the rural economy as their focus of service.Their customers are mainly concentrated in vast rural areas.However,after the restructuring Of the rural commercial banks,the type of equity is more complex,the management system is still in a sound period,the weakness of the internal control system,a single risk assessment tools,lack of risk control capabilities,credit risk aversion mechanism has not yet formed,it is these problems that lead to rural commercial banks face Larger credit risk.Therefore,SRCB should set up a set of scientific and reasonable credit risk prevention system to enhance the ability and level of risk prevention.Firstly,this paper systematically expounds the concept of credit risk and credit risk control,elaborates three theories of credit risk control,and elaborates the status quo of credit risk control in Zaozhuang Rural Commercial Bank.From the aspect of credit scale,structure,quality and concentration And pointed out that Zaozhuang Rural Commercial Bank has made great achievements in credit risk control.For example,it established a system of separation of audit,credit and credit,established a credit risk control system,established a scientific credit approval process and improved the credit risk personnel Team and so on.Then using AHP to analyze the factors that affect Zaozhuang Rural Commercial Bank credit risk control,and build five second-level indicators of five consistent indicators,through empirical analysis and research,found that the impact of a high degree of three indicators are post-loan management,Credit review,improve the corporate governance structure,the three major factors on the risk control of 59.3%,close to 60%;higher impact indicators are respectively the implementation of risk responsibility,credit product innovation and design,risk control department The setting and functions of these three indicators have a 20.2%impact on credit risk control.The other nine indicators of the impact of credit risk control is low,only about 20%.In view of the key factors that affect the credit risk of Zaozhuang Rural Commercial Bank,this paper puts forward the suggestions of strengthening credit risk organization construction,designing credit product innovation,strengthening credit review,strengthening post-loan management and building a comprehensive risk management system.