Research On The Risk Management Of Supporting Agricultural Credit In S Rural Commercial Bank

As the financial institution with the largest number of branches and the widest coverage in S County,S Rural Commercial Bank plays an irreplaceable role in this region.Its healthy development is related to the prosperity and stability of S County economy.In recent years,in the process of accelerating business expansion and development,S Rural Commercial Bank has exposed many problems in its credit business,such as decreasing development speed of rural credit business and gradually increasing non-performing loan rate.How to solve these problems,reduce credit risks of S Rural Commercial Bank,solve development difficulties of S Rural Commercial Bank,and make it better serve rural construction?Is an important issue facing the bank at present.In this paper,S Rural Commercial Bank is taken as the research object.Firstly,it introduces the status quo of S Rural Commercial Bank’s support rural credit risk management,including S rural commercial bank’s support rural credit business and management overview,risk management organization structure,credit risk management system,credit risk management process and the performance of S rural Commercial bank’s support rural credit risk industry.Secondly,through questionnaire survey,from the four aspects of risk identification,risk assessment,risk control and risk feedback,it is concluded that S Rural Commercial Bank has some problems in the risk management of supporting agricultural credit,such as chaotic access to customer groups,formalistic risk assessment,high error rate of loan approval,and untimely risk feedback.Thirdly,combined with the interview survey,it analyzes the reasons for its failure in risk identification methods,risk assessment management is not detailed enough,risk control approval is not strict,and the risk feedback system is not established.Finally,a series of optimization measures are put forward for the management of agricultural credit risk of S Rural Commercial Bank,such as improving risk identification means,refining risk rating management,standardizing loan risk control process,and establishing risk feedback system,so as to provide more references and ideas for S Rural Commercial Bank to solve the problems of credit risk management,and help it solve the development difficulties.