The Research On Credit Risk Management Of Small And Medium Sized Enterprises Based On The Lanling Rural Commercial Bank

In recent years,under the combined effects of various causes,the speed of economic development in our country has slowed down.At the same time,the rural commercial banking system is facing more complicated risk environment in the process of continuous advancement and development,which will result in credit risk,leading to new normal rhythm transformation.In this environment,understanding and fa miliarizing with the characteristics of credit risk,strengthening daily inspections and supervision,and upgrading the system's management and controlling policy can ease and deal with the difficulties,which the Rural Commercial Bank is facing.Through the analysis of the current situation of credit risk management in Lanling Rural Commercial Bank,it is time to provide corresponding improvement measures,it can have a certain effect on improving the level of credit risk management,enhancing prevention and control awareness,improving operational efficiency,and promoting development.At the same time,for other rural commercial banks,it can provide reference for preventing credit risks and optimizing management.Through the methods of quantitative analys is,literature research,and field surveys,this article firstly elaborates the researching background and significance of the credit risk management of Lanling Rural Commercial Bank;and also explaining the related contents of credit risk and credit risk managements;summarizing and reviewing Domestic and foreign scholars related researches.Then,based on the analysis of Lanling Rural Commercial Bank's credit assets status and current credit risk management status,combined with analysis-system,it analyzed the challenges of Lanling Rural Commercial Bank in credit risk management.Finally,it proposes comprehensive countermeasures for credit risk issues,including establishing a strict credit risk management control process,strengthening the overall quality of the employees,improving the bank's internal organizational structure,and optimizing the direction and quality of credit operations.Through a series of improvement measures on organizational internal and external control constructions and employee q uality improving methods,it is possible to minimize the existing credit risk as much as possible and ensure the healthy development of the Rural commercial banks.