The Study On Credit Risk Management In X Branch Of ABD

As the only agricultural policy bank in the country,the Agricultural Development Bank has made tremendous contributions to the development of China’s agriculture.Although its credit business is highly policy-oriented,as a financial institution,its credit business still has the financial attributes of commercial bank credit business.Therefore,in order to effectively evade and control risks,the Agricultural Development Bank has established its own credit risk management system.Credit risk management can effectively control risks and reduce the bank’s non-performing loan ratio.Agricultural Development Bank YIn this paper,according to the ideas of asking questions,analyzing problems and solving problems,this paper studies the optimization of credit risk management of Agricultural Development Bank X Branch.Firstly,the problems of credit risk management in the process of credit risk management are analyzed.Secondly,combined with the credit risk management status of the Agricultural Development Bank X Branch,the main causes of the above problems were identified.Finally,the corresponding risk management optimization plan is given for the problem and the reason.The main contents of this paper are arranged as follows: Firstly,this paper introduces the background and significance of the research,as well as the relevant academic achievements of risk management of policy banks at home and abroad.Secondly,this paper introduces the concepts and characteristics related to credit risk,and also describes related knowledge of agricultural policy finance.Furthermore,the basic situation of the Agricultural Development Bank X Branch was introduced,including its main business types,the status of credit risk management,problems in the credit risk management process,and the causes of such problems.Through analysis,it is concluded that the problems in the credit management of the Agricultural Development Bank X Branch are mainly reflected in the backwardness of the management concept,the imperfect management system,the irregular operation,the risk and the unscientific credit rating of the customer.Then it analyzes the main reasons for the problems of credit risk management of Agricultural Development Bank X Branch from two aspects of internal and external factors.Finally,the corresponding management optimization plan for the problems of credit risk management of the Agricultural Development Bank X Branch is given,including strengthening the management and control of the credit risk process,improving the risk management supervision mechanism,strengthening the risk management professional talent team,and establishing credit.Risk management incentives and rewards and punishments mechanism,creating a good credit risk management culture and other aspects.Through the research and analysis of this paper,it is hoped that the problems faced by the Agricultural Development Bank X Branch in the risk management process of credit business can be well solved.At the same time,we hope that the research results of this paper can provide some reference for risk management of other banks.