Research On Credit Risk Control Of G Rural Commercial Bank

At present,with the rapid development of China's economy and society,the continuous improvement of rural infrastructure construction,the rapid development of the economy,in this context also put forward new requirements for the reform of the rural financial system.There are both opportunities and challenges in the reform of rural financial system.The rural financial institutions mainly rely on the development of rural commercial banks,and with the help of the financial support of the state and the advantages of rural resources,they have gained a lot of development space.Since its establishment,rural commercial banks have been taking "serving agriculture,rural areas and farmers" as their duty,playing a very important role in developing rural economy and promoting rural financial stability.Most of the rural commercial banks have been transformed and developed from the former rural credit cooperatives,so there are many problems in the development process,such as the business is relatively simple,the talent reserve is insufficient,and the main business is credit.With the rapid development of the rural economy,the rural commercial banks can not keep up with the development of the society,so the existing problems are increasingly prominent.This is also related to the lack of comprehensive talents in rural areas,the generally low educational background of employees,and the lack of work experience and ability.If these problems can not be solved well,it will affect the development of rural commercial banks and the layout of financial institutions.At the same time,credit business is the main business of rural commercial bank,so it is very important for rural commercial bank to standardize and control credit business and avoid risks.And in the report of the 19 th National Congress of the Communist Party of China,it clearly proposed to control financial risks,emphasized the importance of controlling financial risks for the stable development of national economy,which shows the importance of the state to control financial risks.The rural commercial bank is an important part of the financial institutions,and its risks are quite prominent.We need to fully understand and effectively avoid credit risks,so as to ensure the rapid improvement of the rural economy.Therefore,it is of great significance for the study of credit risk management of agricultural commercial bank.G rural commercial bank is reformed from Guangfeng rural cooperative bank.In December 2004,G rural commercial bank,while maintaining the original main body of the credit union,carried out joint-stock reform,innovated the management system,actively introduced excellent management talents,improved the internal structure of the bank,based on the local market and taking the reform as anopportunity,formulated a scientific and standardized management system,and took serving the "three rural issues" to solve the three rural issues as its own service purpose,becoming a community fund Financial institutions.By 2019,G rural commercial bank has expanded its scale to 1 business department,7 sub branches,18 banking offices and4 self-service banks,with business outlets covering the whole region.By the end of2019,the balance of various deposits of G rural commercial bank has reached more than7 billion yuan.The credit business has become an important business of G rural commercial bank and the source of its main operating profit.Therefore,it is urgent to strengthen and improve the credit risk management of G Rural Commercial Bank for its healthy development.In order to ensure the healthy and stable development of rural commercial banks,it is very important to study the credit risk of rural commercial banks.It is of great significance to determine the nature of credit risk of rural commercial banks,and then guide the specific management practice of credit risk of rural commercial banks on the theoretical and practical level.Taking g rural commercial bank as an example,this paper analyzes the current situation of its credit risk management,combining with information asymmetry theory,internal control theory and comprehensive risk management theory,analyzes the status of its credit assets,credit business varieties,credit risk management system,credit business organization structure,credit business process,and further discusses the current situation by using case analysis method and grammar review method G agricultural and commercial bank credit risk control problems,from the three stages of pre loan,loan and loan,analyzes the problems of G agricultural and commercial bank credit risk control,among which the pre loan investigation is not in place,the loan evaluation and review should be optimized,and the risk management after loan is not in place.The main reasons are internal and external factors,external factors,improper administrative intervention of government departments,insufficient legal system constraints,unsatisfactory regional economic development,and imperfect credit system construction;internal reasons include weak awareness of credit risk management,poor overall quality of employees,backward talent team construction,imperfect internal control mechanism construction,and poor bank enterprise information symmetric.Based on the analysis of the causes of G rural commercial bank's credit risk,this paper puts forward relevant countermeasures and suggestions based on information asymmetry theory,internal control theory and comprehensive risk management theory:first,pay attention to the construction of internal risk management culture system;second,improve the credit risk management team;third,optimize the credit risk management structure;fourth,standardize the "three checks" operation of loans To improve the accuracy of loan management and strengthen post loan management,five is to build a complete internal control system.This paper studies the risk control of G rural commercial bank in the credit business,and puts forward the countermeasures to improve the risk control of G rural commercial bank,in order to provide some reference for the credit risk supervision of other rural commercial banks,at the same time,to improve its own service system,to ensure the safety and operability of the credit business in the process of rural economic development,and then to guarantee the agricultural business The development of village economy effectively breaks the barriers of urban-rural dual system.