| In recent years,with the promotion and implementation of the further deepening rural financial reform policy,China’s rural financial institutions have achieved rapid development in terms of the number of institutions and business scale,and gradually become the main force serving rural revitalization in China.But it cannot be denied that the rural financial institutions developed late in our country,due to the weakness of customer groups and special regions,the overall market competition does not have the advantage.And under the present economic conditions,some enterprises in our country exist difficult operation conditions,the repayment ability is not guaranteed,there is a greater risk of default,which brings more severe challenges to the credit risk management ability of rural financial institutions.Therefore,how to improve the control level of credit risk of rural financial institutions is extremely important.Under this background,this topic selects A Rural Credit Union as the research object to study its credit risk status and management methods.Firstly,by analyzing the loan quality,loan structure and related credit risk monitoring indicators of A Rural Credit Union,it is found that the credit risk status of A Rural Credit Union is not optimistic,and has seriously affected its profitability and operating ability.Through further analysis of the credit risk management methods of A Rural Credit Union,it is found that A Rural Credit Union still adopts the method of manual credit rating,the control of customer access is not strict,and there is serious information asymmetry phenomenon.In addition,there is no strict monitoring process in the loan,and there is no continuous monitoring of the credit granting customers.Often,a loan is discovered after it becomes a non-performing asset.Institutions at all levels are seriously lacking in fulfilling their duties,and the overall control level of credit risk is poor.The root cause of these problems is the lack of advanced technical means and tools to realize the whole process management of credit risk in A Rural Credit Union.Therefore,based on the background of the digital transformation of the risk management of the A Rural Credit Union,this paper proposes a scheme to build a credit risk monitoring and early warning system.The construction principle of this system is that the customer information monitoring index is developed in combination with the actual situation of the Union of A Rural Credit.At the same time,all the monitored indicators are classified according to the influence degree of the abnormal of each indicator on the default risk of the customer.The corresponding threshold is set according to the different influence degree,and certain scores and warning levels are given to the indicators.The system will automatically trigger early warning to realize the monitoring of customer credit risk.This system can promote the credit risk management of A Rural Credit Union to move forward,realize real-time customer monitoring,effectively improve the credit risk management level of A Rural Credit Union,and also provide reference for other rural financial institutions to improve their credit risk management ability. |
