Research On The Credit Risk Management Of LQ Rural Banks

Rural bank is a special financial institution to serve the county and rural in recent years,which has played an increasingly important role in the current rural financial management and the development of the rural economy.Its healthy and stable development is the cornerstone for revitalizing the current rural economy in China,and has important strategic significance.At present,the management of the rural bank has made some progress,and the financial system is gradually improved.However,there are still a certain gap compared with the developed countries.In particular,there are many problems to be solved,such as the level of the management level and the poor credit assets of the village banks.On the other hand,the rural is different from the large and medium-sized cities.As a special economic structure of the country,its financial system is relatively fragile.In particular,its ability to resist risk is almost zero in the face of various risks such as credit crisis,changes in environment and policy,liquidity and so on,while credit risk is the most prominent and the most critical factor in many risks.Because of the development of Western and other developed countries,the financial system related to it has been quite perfect,which has laid a good foundation for the healthy and stable development of the rural economy.By studying a large number of relevant documents at home and abroad,this paper summarizes the successful cases of credit risk management in rural banks in Mong La,the United States,Indonesia and other countries.At the same time,it analyzes the actual situation and economic development status of rural financial management at the same time,and finds out a series of countermeasures to prevent the credit risk of rural banks by studying the concrete operating mechanism of LQ rural banks.To form a credit risk management system for rural banks,with a view to provide management ideas for the healthy development of rural bank credit business.In this study,through consulting a large number of periodicals,magazines,papers and other related materials,we can understand the domestic and foreign research status of rural bank risk management at home and abroad and the division of related theories and concepts.On this basis,the main research focus and the whole research ideas and methods are determined.Through field investigation and interview,we understand the overall situation and credit risk of LQ rural banks and the main causes of credit risk.Secondly,through the investigation and study of the current situation of LQ rural banks in credit risk management,the main problems and contradictions in the process of credit risk management are analyzed,and the final analysis results are from the internal prevention and control mechanism and external insurance respectively.From the two point of view,we put forward corresponding solutions to prevent bank credit risks,and provide new ideas for our country's rural banks' credit risk management.