Research On Credit Risk Management Of Xinmi Rural Commercial Bank Based On The Perception Of Bank Insiders

With the rapid development of rural economy,rural commercial Banks play an important role in serving the real economy and stabilizing local economic development.For xinmi rural commercial bank,how to improve the level of credit risk management is an urgent problem to be solved.Due to the influence of various historical reasons,the new mircb has problems such as the rebound pressure of non-performing loans,the uneven quality of credit personnel,insufficient scientific and technological support,and the need to improve the ability to prevent and control credit risks.As a bank internal staff engaged in credit work,its ability to find credit risk is more timely than the usual statistical analysis method.Therefore,this study to new ones agri-businesses Banks as the research object,based on the internal personnel’s perception of the visual Angle,using the relevant theories,using literature study,questionnaire investigation,case analysis,combining qualitative and quantitative analysis methods,such as the new ones farming comme rcial bank credit risk management study,put forward the corresponding countermeasures and Suggestions.This study through the bank internal personnel on credit risk management system,credit flow,credit risk identification problems such as the questionn aire survey analysis,it is concluded that new ones agri-businesses Banks in the credit management exist in the process of credit risk management system implementation does not reach the designated position,not fine,unreasonable structure of credit risk management process,lack of support of science and technology strength and young customer manager risk control capacity to improve five aspects,such as problems.On bank insiders perceive new ones under the agriculture problems that exist in the commercial bank credit risk management,put forward the perfect credit risk management mechanism,scientific credit risk management process,optimize the credit structure,strengthen scientific and technological support,strengthening the training of young customer manager risk control ability,strengthen the credit risk identification ability and solutions.This paper has a strong guiding significance for improving the credit asset quality and strengthening the credit risk management ability of xinmi rural commercial bank.At the same time,to some extent,it has enriched the research results of credit risk management of domestic rural commercial bank,which has certain theoretical and reference significance.