Research On Credit Risk Management Of China Agricultural Development Bank

The Agricultural Development Bank of China(ADBC)has been the only policy bank mainly focusing on supporting economy in rural areas in our country up to now.Dazhou Branch of Agricultural Development Bank is attached to Bank Branch of Agricultural Development Bank in Sichuan Province.Under the influence of the economic transformation in rural areas of our country,the upgrading technology of agricultural production,the prominence of the policies of supporting agriculture and benefiting farmers and the promotion of policies of targeted poverty alleviation,the clearness of policies of shanty towns transformation in cities,the transformation of policies of rural lands and the publishment of policies of new rural construction and planning,existing species of loan business,operation patterns,customer structure and demands for risk management has changed tremendously.With the diversified development of the species of loan products,ways of loans and the principal part and usage,credit risks that Agricultural Development Bank faced with had increased gradually.Scientific risks management of credit assets is the important guarantee of promoting the sound and fast development of loan business of Agricultural Development Bank.In 2011,Agricultural Development Bank officially formulated The Outline of the Reform and Development of Agricultural Development Bank of China and made prevention and control of risks a top priority in bank management.Nowadays,strengthening risks management and prevention of credit assets and how to avoid credit risks have become the significant content of Dazhou Branch of Agricultural Development Bank.This thesis takes Dazhou Branch of Agricultural Development Bank in as the research object.First,it introduces the concept of credit assets risks of policy banks,the kinds of risks and the causes and makes detailed introduction of the current situation of the study on credit risks of policy banks both at home and abroad;Moreover,it introduces the concept and the theoretical development of credit assets risks management and makes an analysis for the credit assets risks of Dazhou Branch of Agricultural Development Bank and the current situation of credit assets risks management.From the perspective of existing institutions and systems of risks management system,the established approval mechanism of credit assets and classification systems of junior accounts and many challenges that the transformation and development of business are faced with,the author analyzes existing problems in the course of operation patterns,management and control,risks screening,warnings and risks disposals of this bank.There are existing problems in the management and prevention of credit assets risks after detailed analysis: unsound risks management systems;unprecise inner-controlling system of risks;unsound risks warning mechanisms;weak credit bases management and the need of further improvement of technical means;Lastly,based on deep analysis for these problems,the author provide concrete suggestions for risks management of Dazhou Branch of Agricultural Development Bank.They are optimizing organizational structures of credit assets risks management;establishing culture of credit assets risks management positively;having clear-cut role positioning and development direction;having sound inner-controlling mechanism of credit assets risks management;establishing systems of management at different levels of credit assets risks;having sound risks warning mechanisms;performing risks prevention mechanisms deeply and having internal resources guarantee system.This paper innovatively takes Dazhou Branch of Agricultural Development Bank as the research object.The current situation of this bank is a miniature of that of policy banks in our country.Therefore,the study on risks management of this bank of this paper can provide good experience to risks management of other banks in our country.It provides theoretical references for promoting operational management levels,strengthening core competitiveness,achieving the strategic planning of full achievement of supporting the “Three Rural” development for Agricultural Development Bank of China.