Research On Credit Risk Management Of S Agricultural Bank Of China Agricultural Development Bank

As the main force of China’s rural financial market,since its inception,the Agricultural Development Bank of China has fully implemented the national grain,cotton and oil purchase and sales policy,adhered to its position of serving agricultural development,and fully protected China’s agricultural development and food supply.The increase in income has a good driving role,and has played an important role in promoting the development of agricultural industrialization.Agricultural Development Bank S Branch,as a city-level branch of a policy bank,has a high degree of diversification in its business operations.Due to the diversification of business operations,the risk management of the S branch of the Agricultural Development Bank is facing increasing challenges.The support for agricultural credit in S Branch’s business operations has a relatively large proportion and has a relatively large impact.Therefore,it is of great significance to study the credit risk management of Agricultural Development Bank S Branch.Based on the significance of credit risk management of the S branch of the Agricultural Development Bank,this article first discusses the research background and significance,and finds the theoretical basis for improving the credit risk management of the S branch of the Agricultural Development Bank from relevant credit risk management theories.Secondly,it analyzes the current situation of credit risk management of S branch of Agricultural Development Bank,analyzes the problems of credit risk management of S branch of Agricultural Development Bank,and finally puts forward corresponding improvement suggestions and safeguard measures to provide certain policy banks.reference.Through the research in this paper,it is found that the credit risk management system of the Agricultural Development Bank S branch is not sound,the credit risk internal control system is not sound,the credit risk early-warning ability is weak,the credit risk compensation mechanism is lagging behind,and the credit risk management resource integration guarantee mechanism is not functioning Fully wait for the question.The reasons for the credit risk management problems of S Branch mainly include the immature external operating environment,the lack of strong internal control,the quality of credit personnel to be improved,frequent changes in national policies,and the serious lack of credit risk management culture.Aiming at the existing problems and reasons,it has put forward a sound credit risk management system,improved internal control systems,strengthened credit risk supervision and management and information disclosure mechanisms,established credit risk decentralization and compensation mechanisms,and improved credit risk management resources integration and guarantee mechanisms to improve China’s agriculture.Suggestions on Credit Risk Management of S Branch of Development B ank.