Research On Credit Risk Management Of Agricultural Development Bank Of China N Branch

The Agricultural Development Bank of China was established in 1994,which is the only agricultural policy bank under the direct leadership of the State Council.In recent years,with the increasing support and the advancing of poverty alleviation policies of the government in the field of agriculture,rural areas and farmers,the credit business of the Agricultural Development Bank has developed rapidly.However,in the process of development,there are inevitably various potential risks,and the number of non-performing loans has increased,which comes to the hot issue of public concern,and arises a high attention of the Supervision department.As the Agricultural Development Bank carries out the business philosophy of "keeping capital and little profit" and "giving way to the people",the overall profit level of the banks is relatively low,and once credit risks occur,the losses of the Agricultural Development Bank and state-owned assets will be enormous.This is the reason why more strengthen on the Agricultural Development Bank of the important role of credit risk management is need.This paper studies the advanced risk management theory and credit risk management measures at home and abroad,combs the credit risk management system of Agricultural Development Bank,and analyzes the specific cases by looking up the relevant literatures.And the paper has searched the domestic and foreign advanced risk management theories and credit risk management measures,in order to find out the problems of credit risk management of Agricultural Development Bank N Branch,such as incomplete due diligence,inadequate examination of payment materials,inadequate supervision and implementation after loans,and insufficient experience in handling risks,etc.Some suggestions and countermeasures such as improving the quality of employees,increasing the guidance and supervision,enhancing the risk auxiliary function of the credit management system and strengthening the supervision of the payment of credit funds are put forward,so as to enhance the ability of the Agricultural Development Bank to identify and prevent the credit risks.and then improve the quality of the credit assets of the Agricultural Development Bank.So that the Agricultural Development Bank N Branch can provide a better and more sustainable quality agricultural policy-oriented financial services for the local.