Research On Credit Risk Management Of Capital Business Of M Rural Commercial Bank

In recent years,Chinese economy has been under downward pressure,and financial supervision has become stricter.Credit risk is still the most important risk area of commercial banks at present,and it is also an important factor inducing other risks.The capital business of commercial bank plays an important role in the rapid development of Chinese commercial bank in recent years.However,compared with the large commercial banks in our country,small and medium-sized banks still have a lack of capital business credit risk management,but effective prevention and control of the capital business credit risk is the key to the sustainable and healthy development of banks.M Rural Commercial Bank as a county rural financial service institution,facing the complex economic situation,under the background of "specialized department" operation of capital business and "strong supervision" of China Banking and Insurance Regulatory Commission,how to improve the capital business credit risk management ability and strengthen the capital business credit risk management is particularly urgent.This paper takes M rural commercial bank’s fund business credit risk management as the research object.First,it expounds the relevant concepts of commercial bank’s fund business and basic theories related to credit risk management,analyzes the current situation and main problems of M rural commercial bank’s fund business credit risk management,and combines the actual situation of M rural Commercial Bank’s fund business.5C element analysis method was used to identify the credit risk of M rural Commercial Bank’s capital business.Secondly,on the basis of risk management theory,AHP and fuzzy evaluation method are used to evaluate and analyze the credit risk of M Rural Commercial Bank’s fund business through the evaluation method of industry experts and comprehensive consideration of the characteristics of interbank customers of fund business,and the distribution of credit risk of M Rural Commercial Bank’s fund business is studied.Finally,in view of the problems existing in the credit risk management of M rural commercial bank’s fund business,combined with the analysis of the results of the credit risk assessment of the fund business,the risk control strategy is proposed in three aspects:credit risk control,credit risk early warning and professional personnel training.The research on the credit risk management of M rural commercial Bank’s capital business can not only improve its professional credit risk management ability of its capital business,but also provide reference for small and medium-sized banks with similar scale.