Research On Credit Risk Of Rural Banks In My Country

Credit risk refers to the risk faced by the creditor that debtor may not be liable for his financial obligations.As a part of the financial risk,the credit risk is very important to the operation and development of the bank.The credit risk caused by bad loans will reduce the quality of the assets,even let banks fall into the financial crisis.As a new type of rural financial institutions to serve the "three rural",rural banks are of great significance to improve the development of rural regional economy,but because of the immature development,the possibility of credit risk is bigger.Through the study of rural bank credit risk,for the existing problems in the credit business,find the necessary prevention and control measures for credit risk has important significance to improve the quality of rural bank assets and promote long-term development.In this paper,through literature analysis,case analysis,comparative analysis and other research methods,on the basis of summarizing the domestic and foreign research conclusions of credit risk,Combined with related theory,expounds the current situation and problems of the development of rural banks in China.Taking the case of A village bank's credit risk as the research object,collecting and sorting out the operating data of A rural bank from 2013 to 2015,analysis and research on the credit risk performance of A village bank,the results show that the credit risk of A village banks is mainly manifested in the problems such as the decline of the quality of the assets in the credit business,the nonstandard operation in the process of the credit business,the fluidity of the credit assets and the instability of the profitability.The main reasons for these problems are the lack of internal professionals in the A village banks,lax credit management,weak internal control and fierce competition in the external market.Therefore,it is proposed that the A village bank should prevent and control the credit risk by attaching importance to the cultivation of talents,strengthening the loan management,improving the internal control and improving the competitiveness of enterprises.This paper puts forward some suggestions on theimprovement of the A village bank credit risk,which can provide reference for the development of similar rural banks.