Research On Risk Control Of TH Rural Commercial Bank

Economic factors are the most important factors restricting the overall development of rural areas in China,and the rapid development of rural economy is always inseparable from the support of rural financial institutions.From the current financial environment in China,rural finance has always been the weakest link,which needs to be improved and developed.However,influenced by many risk factors and many disadvantages accumulated for a long time,the transformation and reform of rural financial institutions in China is more difficult.In addition,in order to speed up the development of rural areas and promote the coordinated development of urban and rural economy,the government has successively carried out the construction of beautiful villages,implemented the strategy of rural revitalization,and formulated the goal of poverty alleviation.In this series of significant favorable background,as the main force of rural finance,rural commercial banks also ushered in precious development opportunities.At the same time,rural commercial banks,as the local financial institutions from the rural credit cooperatives,have a relatively short development and growth time.Restricted by historical reasons such as personnel,science and technology,capital and so on,the ability of risk management and control is still weak.This is not conducive to rural commercial banks adhere to the market positioning,service for agriculture,rural areas,micro businesses,urban and rural areas,complete the mission of the times,but also affects the reform and transformation of rural commercial banks,limiting their own development.Through the reform,improving corporate governance,improving the level of internal control and management,and establishing an effective and comprehensive risk prevention system,has become an important issue in front of rural commercial banks.Therefore,this paper takes th rural commercial bank as an example to study its risk control in order to improve its risk management system.Based on the related concepts of risk control and financial risk theory of rural commercial banks,including moral risk theory,financial vulnerability hypothesis,bank run theory and comprehensive risk management theory,this paper takes th rural commercial banks as an example to analyze the current situation of risk control,points out the existing problems and the causes,and combines the excellent experience at home and abroad Research and enlightenment,to the th rural commercial bank risk control level enhancement proposed suits the own development countermeasure.First of all,it introduces the research background,research significance,research progress at home and abroad,research ideas and research methods,and points out the innovation and shortcomings of this paper.On this basis,the paper analyzes the risk control status of th rural commercial bank from four aspects: risk management organization structure,credit risk management status,market risk management site and operational risk management status.Combined with the above analysis,this paper discusses the problems existing in th rural commercial bank risk control.Based on the relevant questionnaire,this paper discusses the six aspects of th rural commercial bank system construction,operation mechanism,human resources,rural commercial bank process and organizational structure as well as risk supervision,and analyzes the causes of the problems from the internal and objective aspects,including the internal causes A series of problems,such as weak awareness of risk management,non-performing loans,high enterprises,extensive internal management and personnel structure fault,have not been fundamentally solved due to the restructuring,imperfect risk control mechanism,imperfect and simple extensive risk management mode,incomplete corporate governance structure,weak product development ability,poor overall quality of rural commercial bank employees,and no separation of rights and responsibilities The objective reasons include the backward economic development restriction in rural areas,and the relatively perfect credit system has not been established in rural areas of China.Combined with the excellent experience at home and abroad,th rural commercial bank can innovate financial products continuously,the government can intervene moderately in the process of risk control,and also give full consideration to the specific situation of China's economic system.Finally,the paper puts forward corresponding countermeasures for th rural commercial bank risk control.First of all,we should further optimize the internal environment of th rural commercial bank,including improving the risk awareness of rural commercial bank,building a perfect risk prevention system,building a perfect corporate governance structure,strengthening the construction of talent team,broadening the capital channel,optimizing the capital structure and expanding the capital channel Secondly,we should actively create an external environment suitable for our own development,including making full use of the government's dividend policy,actively adapting to and implementing regulatory guidance,developing credit insurance and transferring risks.As an inevitable factor in the daily operation and management of rural commercial banks,risk is widely distributed in all aspects of bank operation and management.From the actual situation in recent years,the loss caused by it also presents a growing trend.Therefore,starting from the development of rural economy and rural commercial banks in China,this paper analyzes the main problems and causes of risks,compares the advanced management models of domestic and foreign commercial banks,and gives effective suggestions for risk management of rural commercial banks in China,so as to improve the development status of th rural commercial banks,which not only makes th rural commercial banks more clearly recognized It is of practical significance to study the improvement of risk management of rural commercial banks to know the problems and causes in the process of risk control,to formulate appropriate countermeasures for th rural commercial banks to improve risk control,and to enhance the safety,liquidity and profitability of bank business operation.It is of great practical significance for rural commercial banks to improve the level of risk management and effectively enhance the security,liquidity and profitability of banking operations.In addition,combined with the actual situation of th rural commercial bank,this paper makes an effective discussion on improving the risk control system of rural commercial bank,which to a large extent promotes the healthy development of rural commercial bank institutions in China.At the same time,it also provides reference for the whole agricultural commercial bank in China.