Research On Personal Credit Risk Management Of FZ Rural Commercial Bank

After 40 years of reform and opening up,the socialist market economy with Chinese characteristics has developed steadily.At present,as an important part of the market economy,the financial market continues to deepen the reform of industrial development and continue to play a driving force in serving the real economy.In the vast rural areas of China,the Rural Commercial Bank is the main local financial service institution,which has played a great role in serving the rural and small and micro enterprises and even in building the rural financial system.From supporting the development of "agriculture,countryside and farmers" and small and medium-sized enterprises to promoting the rise of urban and rural economy,it has gradually become the financial link of rural regional development and plays a vital role in promoting rural economic development.Rural Commercial Banks are moving towards the goal of inclusive finance.Among them,the main business farmers' micro-loans are favored by rural farmers.The main suppliers of capital and financial services in urban and rural areas of China provide timely and effective services to agriculture,rural areas and small and medium-sized enterprises.Since the beginning of the new century,micro finance has provided a large amount of funds for rural development,effectively filled the gap of farmers' capital demand,and laid a solid foundation for financial services in rural areas of China.Agricultural development itself is a weak industry.Information asymmetry,poor economic foundation and other factors seriously hinder the development of rural finance,resulting in rural finance has always been in a weak link.With the deepening of supply reform in various industries,the Rural Commercial Bank is also facing the trend of deepening reform.In this process,the financial services provided by the Rural Commercial Bank also exposed many problems,including the high non-performing loan rate,which seriously restricted the increase of the income of the Rural Commercial Bank.With the increasing pressure on the credit quality of the Rural Commercial Bank,risk control of the credit business of the Rural Commercial Bank is the key,which to some extent affects the sustainable development of the Rural Commercial Bank.Throughout the current situation of loan risk management in rural areas of China,risk control needs to be improved.Therefore,it is urgent to build and improve a scientific and effective credit wind control system for the Rural Commercial Bank.This article is divided into seven parts from the structure.The first part is the introduction.Starting from the background and significance of the topic,this part elaborates on the methods used in the research and analysis,the main contents to be studied and the overall framework of the article.The second part is the theoretical basis.This part mainly focuses on the concept,classification and related theory of credit risk,which is the theoretical basis of this study and analysis to ensure the theoretical and practical value of the research results.The third part is the credit risk management status of FZ Rural Commercial Bank.This part mainly analyses and elaborates the development of FZ Rural Commercial Bank and the current situation of loan risk management,and analyses the problems existing in the process of credit risk management of FZ Rural Commercial Bank.The fourth part is the risk identification of FZ Rural Commercial Bank's personal credit business.Including risks from the three roles of partners,borrowers and internal management,it shows their manifestations concretely.The fifth part is the risk assessment of FZ Rural Commercial Bank's personal credit business.Based on the background of constructing risk assessment index system,the analytic hierarchy process(AHP)is selected as an appropriate risk assessment method,and a series of evaluations are carried out to obtain the final evaluation results.The sixth part is the risk prevention measures of FZ Rural Commercial Bank's personal credit business.Based on the research results of relevant scholars and the development characteristics of Rural Commercial Banks,this paper summarizes and puts forward some countermeasures to improve the risk management of FZ Rural Commercial Bank: optimizing the direction and quality of credit business,strengthening risk monitoring in different links,improving collateral management system,establishing dynamic management mechanism for partners,and improving credit risk management and Department control system.The seventh part is the summary and outlook.