Research On Credit Risk Evaluation And Prevention Of Rural Commercial Banks In Western China Based On Credit Risk+ Model

Rural commercial banks are local financial institutions,which play an important role in the banking system and are the main force to support the local economy of agriculture,rural areas and farmers.In January 2019,the Insurance Regulatory Commission of the Bank of China issued the opinions on promoting rural commercial banks to stick to their position,strengthen governance and improve financial services.The document points out that rural commercial banks are the main force to serve and support the development of "agriculture,rural areas and farmers".We should improve the financial service level of rural commercial banks as soon as possible,stick to the positioning and strengthen governance.In addition,the report of the 19 th National Congress of the Communist Party of China pointed out that we should resolutely fight against and resolve major risks,get rid of poverty accurately,and prevent and control pollution.Among the major risks,the most important one is credit risk.There are 12 provincial administrative regions in the western region of China.There is a big gap in the development scale of the representative rural commercial banks in each provincial administrative region.In recent years,the reform of rural credit cooperatives is speeding up,and the development of rural commercial banks in the western region is rapid.Due to the short establishment time and rapid development,the supervision is insufficient,and the credit risk is increased.The existing credit risk evaluation methods of rural commercial banks in Western China are relatively backward,which can not measure the credit risk of rural commercial banks well.In this paper,credit risk + model is selected to study the credit risk evaluation model of rural commercial banks in Western China.The model is suitable for small and medium-sized banks,and the calculation results have a single digital expression,which is convenient for reference and understanding.In this paper,credit risk +model is used to evaluate and analyze the credit risk of nine rural commercial banks in Western China,and relevant suggestions are put forward.