Research On Credit Risk Management Of CC Rural Commercial Bank

Credit risk has always been an unavoidable problem for banks.How to effectively manage and control the risk is a research topic for major banks.The rapid development of economy and the fierce competition of the same industry have laid a solid foundation for credit risk.In the process of economic reform,China's banking industry has formed a series of management mechanisms according to its own development.It not only provides a strong guarantee for the stable development of the banking industry,but also provides a strong support for the virtuous circle of corporate capital.However,due to the late start,the development of rural commercial banks is limited and constrained by many factors,such as history,system and so on,which has become the weakest category in the banking system.In terms of credit business,the high non-performing loan rate has seriously affected the quality of credit assets and hindered the development of its own economy.As a grass-roots financial institution supporting regional economic development,effective credit risk management is imminent.Improving the credit risk management safeguard measures plays an irreplaceable role in the healthy and stable development of rural commercial banks in the future.There are some problems in the credit risk management system of rural commercial banks,such as insufficient risk awareness and imperfect internal control.It has become a major challenge for rural commercial banks to reduce the non-performing loan rate,maintain the controllable credit risk and ensure the sustainable and stable development of the industry.According to the current situation of credit risk management of CC rural commercial bank,this paper finds out the problems in credit risk management through on-the-spot investigation,investigation,inquiry and literature review,and analyzes the causes of credit risk through internal and external factors.Combined with the economic market environment and the development trend of credit business,the paper puts forward the reasonable guarantee measures of credit risk management.In terms of daily prevention of credit risk management and continuous control of credit risk,specific credit risk management programs are proposed,mainly including improving risk early warning mechanism,improving internal control system,improving monitoring system,strengthening basic loan management,optimizing credit humanistic environment,andimproving risk supervision and punishment mechanism.