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| 中国农村商业银行信贷风险管理的问题及对策研究 摘 要 随着我国经济下行压力加大，金融市场不断地变化与发展，农村金融经济改革，农村商业银行面临的各种风险与日俱增。农村商业银行在支持农业发展支持小微企业发展中发挥重要作用，集中服务于民营与小微企业融资问题，但背后也面临着许多不容乐观的信贷风险问题，银行的不良贷款率只升不降。因此，加强信贷风险管理，降低信贷风险，提高信贷资产质量，从本质上推动农村商业银行发展是重点。本文将通过文献研究、、实地走访调查等方式深入了解中国CX农村商业银行的信贷风险管理现状，以CX农村商业银行作为具体实例，来了解并分析CX农村商业银行信贷风险管理存在的问题及背后原因，结合有效科学的理论知识，提出相应的解决对策和改进措施，对积极推动中国农村商业银行信贷风险管理具有重要作用。 关键词：农村商业银行；信贷业务；风险管理 Abstract With the increasing downward pressure on China's economy,financial market changes and development, rural financial and economic reform, rural commercial banks are facing increasing risks. Rural Commercial Banks occupy the core position of "supporting agriculture and supportingsmall enterprises" and focus on the financing of private and small and micro enterprises. The credit risk has greatly reduced the Rural Commercial Bank's asset quality, and the non-performing loan rate only rose not to fall. Therefore, strengthening credit risk management, reducing credit risk,improving the quality of credit assets, essentially promoting the development of rural commercial banks is the focus. In this paper, through literature research, questionnaire design,on-the-spot investigation and other ways to understand the current situation of credit risk management of China's rural commercialbanks, a rural commercial bank as a concrete example,to understand and analyze the problems existing in the credit risk management of rural commercial banks and the reasons behind them, combine with the effective and scientific theoretical knowledge, and put forward the corresponding countermeasures and improvement measures, it plays an important role in promoting the credit risk management of Chinese rural commercial banks. Key words: Rural Commercial Bank,Credit business,Risk management |
