Credit Risk Control Strategy Analysis Of Xincai Rural Commercial Bank

Rural commercial banks are reformed and developed from rural credit cooperatives.Rural commercial banks have always adhered to the "three rural areas",small micro-enterprises and community residents as the main customer groups before and after the reform.The main characteristics of credit are small amount,capital flow and decentralization,which undertake the responsibility of serving the local economic development.It provided strong credit funds support for increasing agricultural efficiency,farmer income and the steady development of small and micro enterprises with the sense of responsibility and mission and made outstanding contributions for the local economy.In recent years,especially after the CPC Central Committee and the State Council put forward the concept of rural financial system reform,financial departments and other departments have used a series of policy means i.e.tax preferences,tax concessions,interest subsidiary,etc.,to broaden the policy support system,innovate policy support tools and promote the sound development of rural financial institutions.Among them,rural commercial banks,as small and medium-sized financial institutions,have made the most prominent and outstanding achievements.The achievements are worthy of affirmation,and the problems are also prominent.The problems and risks mainly involve the credit business.As the main risk faced by commercial banks,strengthening credit risk management has become an important part of risk management of rural commercial banks.From the point of view of risk management,this paper makes a thorough and comprehensive analysis of the credit risk prevention of Xincai Rural Commercial Bank,aiming at improving the credit risk management and control level of Xincai Rural Commercial Bank.First,the theory of credit risk management in commercial banks is studied.Secondly,the credit risk management status of Xincai Rural Commercial Bank is analyzed.Then,the causes of the risks and the causes of the problems are analyzed and found out.Finally,according to the existing problems of credit risk management of Xincai Rural Commercial Bank,some counter measures and suggestions are put forward.