Research On Rural Credit Risk Management Of Y Bank Hebei Branch Under Rural Revitalization Strategy

Along with our country out of poverty crucial work of victory,At the 19th CPC National Congress, General Secretary Xi Jinping put forward the strategy of rural revitalization for the first time,this reflects the party and the country is becoming more and more attention,for the work of agriculture,rural areas and farmers is also to 18 large "two one hundred" persist and deepening of the target,become China’s next step and rejuvenating the country,power,one of the important strategy to realize common prosperity.Commercial Banks as an important participant,the economic operation under certain economic responsibility,political responsibility,social responsibility,must give full play to the financing and regulation,to support rural smooth implementation of the strategy of rejuvenating and fall to the ground,and the supply of credit is the commercial Banks implement support rural revitalization of one of the most principal means and is the most direct and effective way for financial support,However,given the current our country rural anti-poverty and rural revitalization of cohesion stage,its overall economic activity,the credit environment and so on various aspects have not form a scientific and effective health circulation system,a large number of money blindly to financial institutions not only bring huge credit risk,also to a certain extent,disturbs the healthy development of the rural market economy brings the serious consequences.Therefore,in this context,in the face of complex and severe rural market economy environment,commercial Banks should focus on rural credit risk characteristics,optimize its own risk management system,and gradually explore the effective rural credit risk management system and rural market credit system,the realization of ultimate policy,market,financial institutions docking benign and healthy development.Based on this,this article fully draws lessons from the domestic and foreign rural risk management research results,taking y bank Hebei branch as the research object,taking into account the current situation of rural credit development and the direction and implementation strategy of rural revitalization strategy,the Information asymmetry theory,stakeholder theory and comprehensive risk management theory are introduced,to provide a wealth of theoretical support and reference value for the later research and writing of the thesis.The questionnaire survey,analytic hierarchy process and Delphi method method were used for index screening and factor analysis,combining with the actual development of Y Bank Hebei branch,this paper points out the problems existing in its market dimension,credit dimension,execution dimension and policy dimension,further,it is put forward that the improvement can be coordinated and improved from four aspects:mechanism construction,application of science and technology,daily management and expansion of innovation,promote commercial banks to better support rural revitalization,the construction of a good rural credit risk management system.