| With the rapid development of financial market,interest rate liberalization has gradually become the main mode of loan interest rate setting,which makes many loan risks prominent,especially credit business,because of the lack of necessary guarantee conditions,leading to more obvious credit risk.Although scholars at home and abroad have conducted in-depth research on the causes,impacts and Countermeasures of risks of commercial banks and other financial institutions,they have found that there are differences in credit risk factors of different subjects in practice,and these researches lack the necessary pertinence,and few scholars have conducted systematic research on rural commercial banks.The research of this paper has important theoretical and practical significance.Firstly,this paper introduces the research background of bank credit risk,summarizes the concept,classification,characteristics of credit risk and the concept of agricultural commercial bank,and summarizes the principal-agent theory,asset liability theory and credit rationing theory to build the research foundation of this paper.This paper launches an in-depth study on the credit risk prevention of agricultural commercial banks.It introduces the basic situation of Linqu’s rural commercial banks,including the construction of personnel,business direction and assets and liabilities.Through questionnaires,it analyzes the credit risks of Linqu agricultural commercial banks,including the uneven distribution of credit assets,the unstrict investigation after loans,and the implementation of risk control system.This paper analyzes the management problems in the credit development process of Linqu rural commercial bank,constructs the evaluation system by using the fuzzy comprehensive evaluation method,evaluates the credit risk of Linqu rural commercial bank,and puts forward the measures and suggestions for credit risk prevention according to the evaluation results,hoping to be helpful for the credit risk control of rural commercial bank. |
