A Study On The Management Of Credit Risk Of Changsha Rural Commercial Bank

China's rural commercial banks are developing rapidly and play an important role in modern economic life.Due to the short time for the merger of Changsha Rural Commercial Bank and the lack of experience in credit risk management,credit issues have continued to emerge.The credit risk management of rural commercial banks in the study area is of great significance to the development of rural commercial banks in Changsha.This study focuses on the credit risk factors of Changsha Rural Commercial Bank,focusing on the analysis of the three factors of the borrower,rural commercial bank and credit environment,using economic theory and related mathematical and analytical techniques to identify the relevant rules of credit risk,for the rural commercial banks in the region.Credit risk management provides lessons.This paper investigates the credit risk management of Changsha Rural Commercial Bank through a questionnaire survey and practical visit to Changsha Rural Commercial Bank.First of all,from the relevant literature,this article explains the basic content and related theories of the credit risk management connotation,identification,evaluation,etc.Secondly,this article analyzes the current situation and problems of credit risk management in Changsha Rural Commercial Bank,and analyzes Changsha Rural Commercial Bank from empirical research.The credit risk factors;Finally,according to the status quo and the results of research and analysis,it also proposed measures to strengthen the credit risk management of Changsha Rural Commercial Bank.The main results are as follows:First,through empirical data and literature,it is concluded that the credit risk of the rural commercial banks in Changsha is mainly caused by the combined effects of the risk factors of the borrower(small and micro enterprises),the bank's own factors,and the credit environment;Second,analyze the risk factors of borrowers in the credit of rural commercial banks in Changsha.Research shows that the borrower's own quality and industry prospects,debt repayment ability,speculative behavior,own information and credit risk are inseparable,and information asymmetry is still an important cause of credit risk;Three,From the analysis of the risk factors of Changsha Rural Commercial Bank,the quality of the business,internal management,and credit management are the major causes of the current bad credit,of which the quality of the business ranks first;Four,In the analysis of credit risk environmental factors,the size of legal costs is an important variable that affects the credit risk of Changsha rural commercial banks;Five,The study of credit risk control factors shows that the credit risk management tasks of the rural commercial banks in Changsha should focus on borrower management,credit business management,internal control management,and credit decision management.Among them,strengthening risk management construction and system implementation;second,optimizing credit risk assessment,especially optimizing evaluation algorithms;third,improving the quality of credit-related personnel;and fourthly,optimizing the direction of credit allocation and spreading risks.