Research On Credit Risk Management And Control Of Agricultural Development Bank Of China N Branch

Policy-oriented banks refer to the policy-oriented financial institutions invested and established by the government to engage in credit financing business in limited business areas in accordance with the requirements of national macro-policies.As the only agricultural policy bank in China,the Agricultural Development Bank undertakes the important task of serving the rural revitalization in the new era,while N Province,as a relatively backward province integrating the old and the young as well as the poor,has a severe and urgent task of rural revitalization.Under the background of unprecedented changes in the world and sustained economic downturn,coupled with the uncertain risks brought by the COVID-19 epidemic,the Agricultural Development Bank’s business development and risk prevention and control capabilities have also brought higher requirements and challenges.Compared with commercial banks,policy banks have their own unique features in management mode and risk prevention and control.Credit business is the core business of banking institutions,and credit risk is also the most influential risk.As a key measure of bank risk management,internal control can effectively supervise,control,avoid and correct risks,and ensure the safe and stable development of credit business.Therefore,banking institutions need to formulate a practical and effective internal control system of credit risk.This paper takes the credit risk management and optimization method of Agricultural Development Bank N Branch as the main research subject,based on the internal control and comprehensive risk theory,using the literature research method,case study method,index analysis method and other research methods,starting from the study of the formation,development,function,management and risks faced by policy banks,it analyzes the commonness and individuality of their risk management with commercial banks.Combined Case(Agricultural Development Bank N Branch)From2016 to 2021,the changes and development of credit business and risk management should seize the key links(pre-loan,in-loan,post-loan)and key elements(system,personnel,operation,system),focus on the internal and external problems and causes affecting the bank’s credit risk,analyze the problems and causes,and sort them out.External risk prevention and control optimization(market risk,policy risk,moral hazard)And internal control optimization(risk identification,risk measurement,risk monitoring and control,event identification,control activities,internal environment,etc.),the specific measures of optimization are given respectively.The main research and analysis process of this paper are closely linked to the overall characteristics framework and industry regional characteristics of the credit risk management of Agricultural Development Bank of China N Branch,and the final conclusions are theoretically targeted and practical,which can provide reference for the improvement of credit risk management and control level of Agricultural Development Bank system.