H Research On Credit Risk Management Optimization Of Rural Banks

According to the report of the 20 th National Congress of the CPC,"comprehensively promote rural revitalization,give priority to the development of agriculture and rural areas,consolidate the achievements of poverty alleviation,and steadily promote the revitalization of rural industries,talents,culture,ecology and organizations".To realize the grand blueprint of rural revitalization,financial support is indispensable,and rural banks are the new force to help small and micro enterprises,the real economy,agriculture and rural development.It plays a very important role in solving the "financing difficulties of small,medium and micro enterprises",agricultural development,rural construction and farmers’ poverty alleviation and prosperity.As a rural bank with a profit model based on the difference between deposits and loans,how to manage credit risk and realize its own sustainable development while supporting the development of "agriculture,rural areas and farmers" has become a topic concerned by all walks of life.Taking H Village Bank as an example,this paper makes a comprehensive and detailed analysis of its credit risk management status,and points out its shortcomings in corporate governance in the process of credit risk management.There are five problems:imperfect decision-making mechanism,incomplete implementation of the "three checks" system for loans,lack of rating system and early warning system for credit risk management,unreasonable credit business structure,shortage of high-quality and professional talents,and lack of team construction.According to the existing problems,it proposes to strengthen corporate governance.The five improvement measures are to improve the decision-making mechanism,strengthen the whole process management of credit risk,improve the rating system and early warning system of credit risk,enhance the scientific control ability of credit risk,optimize the structure of credit business,strengthen the foundation of credit risk management,and build a high-quality and professional compound talent team.This paper hopes that the research on H rural banks can provide a theoretical basis for the later research on the credit risk management of rural banks.At the same time,it will provide reference for other village and town banks in credit risk management,so as to realize the benign and sustainable development of village and town banks,and make positive contributions to the consolidation of poverty alleviation achievements and the comprehensive development of rural revitalization.