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Research on Credit Risk Management of Rural Cooperative Bank in the Developed Regions

Author: LuJianZuo
Tutor: ZhouYueShu
School: Nanjing Agricultural College
Course: Rural and Regional Development
Keywords: Credit risk Rural cooperative bank Developed regions Riskmeasurement Risk control
CLC: F832.43
Type: Master's thesis
Year: 2013
Downloads: 2
Quote: 0
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Abstract


As a kind of special enterprise operating money, commercial banks were born with the attribute of loan risk. As a result, since the birth of the day, banks are seeking method and means to evade credit risk, to maximize the control of it. Credit risk management is the core of bank’s risk management; it is about how to recognize, measure and manage the credit risk by commercial banks, on that basis, to effectively guard against and control credit risk, it is a method of scientific management achieving maximum security of credit assets at the lowest cost. From now on in a long period of time, the direct financing market in China is underdeveloped, phenomena of that indirect financing is given priority to the financial system will not change, which guarantee the dominance in bank deposit and lending business, making the credit assets is still a firm’s main assets, also become the main source of bank profits. How to improve the credit market share, improve the level of management and risk control ability, will directly affect the banks to improve the core competitiveness of the good realization of the goal and strategy.All this makes credit risk management the urgent task that our commercial bank should face.This article first reviews for the credit risk research status at home and abroad, introduces the traditional credit risk measurement method, analyzes the new foreign credit risk measurement methods and problems in the application that exist in our country’s credit risk management, combined with the actual situation in our country, puts forward to the reality choice in the credit risk measurement of commercial Banks in China. Then, aiming at the economic development in Yuyao region, starting with the credit risk in Yuyao rural cooperative bank, combining with the present management situation in Yuyao rural cooperative bank under the new situation after experiencing the system reform, combining system analysis and empirical research, to analyze the causes of credit risk in Yuyao rural cooperative bank, it focus on the analysis of the credit risk. On the basis, the article analyzes the cause and countermeasures of the credit risk in Yuyao rural cooperative bank. At last, the article puts forward the corresponding countermeasures and preventive measures in view of the above problems

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Agricultural credit
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