Analysis And Control Of Credit Risk Of H Rural Commercial Bank

With the continuous development of the socialist market economy,the business model of rural commercial banks in China has been changed in recent years,especially under the policy of "supporting small and micro enterprises,supporting agriculture,rural areas and farmers",the reform of rural commercial banks has been accelerated.At present,bank credit business is the main channel for commercial banks to generate income.At the same time of income generation,credit risk has become the core risk in the development process of commercial banks,and has become a stumbling block on the way forward of commercial banks.The formation of credit risk of commercial banks is a gradual process of accumulating risks,a slow change from germination to growth.Before the maturity of the loan,the borrower’s family condition,business condition and financial condition have significant adverse changes that affect its normal performance ability,thus causing irreparable major losses to the bank.Credit risk exists all the time,not only has a significant impact on the development of commercial banks and normal operation,but also has a serious negative impact on the development of China’s macro-economy.In such a background,how to reduce the risk of credit has become an urgent task for rural commercial banks,which has a far-reaching impact on the healthy and long-term development of rural commercial banks.Based on the background and nature of China’s commercial banks,this paper makes an in-depth analysis of the causes of the credit risk of H rural commercial bank,and puts forward a series of relevant measures and suggestions to prevent the credit risk of H rural commercial bank,including establishing a unified risk management system and organizational structure,clarifying the responsibilities of each department and position,performing their respective duties,and never letting go of any subtle wind Risk point;establish risk identification and evaluation mechanism,strengthen the implementation of prediction and analysis system for risks among various industries and individuals,incorporate the change trend of some high-risk industries and other factors into the index system of risk early warning system,strengthen financial supervision,strengthen the supervision and management of credit risk of H Rural Commercial Bank by risk management department,formulate strict system and improve Supervise and guide h rural commercial bank to do a good job in risk management.