Research On The Improvement Of Credit Risk Management Of Small Guarantee Loans Of JN Rural Commercial Bank

In recent years,with the rapid expansion of the microcredit market in our country,JN Rural Commercial Bankhas ushered in great opportunities to develop it's small-sum guaranteed loan business.However,due to restrictions of the imperfect credit system and credit management mechanism and other factorsin the current credit market,there are still some problems in the credit risk management of small-sum guaranteed loans.Therefore,it's of far-reaching significance to study on how to improve and optimize the credit risk management of JN Rural Commercial Bank for small-sum guaranteed loans,both from the perspective of improving the work efficiency of credit risk management and reducing losses of credit risk at JN Rural Commercial Bank.In the specific research process,a comprehensive study on the related theories of credit risk management in banks,including the concept,cause and feature of credit risk,as well as contents related to bank management theory,risk management theory and credit risk management theory,has been firstly conducted.Secondly,this paper systematically analyzes the status quo of the risk management of small-sum guaranteed loans in JN Rural Commercial Bank,and examines the credit risk condition and credit risk management system of.JN Rural Commercial Bankfor f'urther research.Thirdly,by means of questionnaire survey,field interview and expert consultation,the author makes a deep analysis of the related problems and their causes iin thecredit risk management of JN Rural Commercial Bank,and finds that the imperfect credit risk management system,the uncoordinated management,the unsound rating mechanism and the unreasonable approval procedures are the main problems facing JN Rural Commercial Bank in the summerization of the small-sum guaranteed loan business.Fourthly,after improving and optimizing the credit risk management scheme for small-sum guaranteed loans ofJN Rural Commercial Bank and establishing the comprehensive principle,objective principle and feasible principle of scheme design,this paper conducts a systemmatic optimization design to the management system,management process,technical rating support and other aspects of credit risk successively.Fifthly,this paper investigates in depth the series of concrete arrangements ofJN Rural Commercial Bank in implementing the improved credit risk management scheme for small-sum guaranteed loans.According to the differencesin the credit risk management system,management process and rating technology in the improved credit risk management scheme for the small-sum guaranteed loans,this paper discusses separately the implementation procedures,implementation and implementation effect of the schemeto ensure the feasibility and effectiveness.Finally,in order to ensure the smooth implementation of the improved credit risk management scheme for small-sum guaranteed loans of JN Rural Commercial Bank,this paper further studies the supporting implementation measures from incentive mechanism,introduction of talents,staff training,IT support,external coordination and other aspects,and evaluates the implementation effect of the improved scheme.Based on the evaluation results,the improved scheme has been fully optimized and adjusted to establish the final optimized credit risk management systemfor the small-sum guaranteed loans ofJN Rural Commercial Bank.