Analysis of the current credit risk prevention and control mechanism of Rural Commercial Bank

Analysis of the current credit risk prevention and control mechanism of Rural Commercial Bank

Tang Feiya

At present, Rural Commercial Bank must be sober, calm, and summarize in a timely manner, and analyze the dilemma of credit risk facing the era of epidemic. This is the focus of attention from Rural Commercial Bank.

Currently affected by Rural Commercial Bank's credit risk

Affected by natural conditions. The credit business of the Rural Commercial Bank mainly supports the development of the agricultural economy. Most of the loan funds obtained by farmers and small and micro enterprises are invested in the planting and breeding industry. Unlike the non -agricultural industry, there is a lot of production cycles in agricultural production, and there is a certain time cycle from investment production to obtaining output. In addition, agricultural production has greater risks, and every link in the production process is easily affected and restricted by itself. From sowing and breeding to harvesting the whole process is at risk. Therefore, it is prone to overdue risk when borrowers cannot obtain expected income.

Affected by investment profitability. Farmers and small and micro enterprises belong to a relatively low level of cultural level. They lack their understanding of financial knowledge, and they are not smooth enough for market information acquisition channels. They fail to choose a better investment direction. This will undoubtedly affect the profitability of loan investment, and objectively increases the possibility of insufficient repayment capabilities. At the same time, their credit awareness is relatively indifferent, and these issues will be transformed into certain credit risks.

The influence of industry risks intensified. In recent years, due to the influence of the world's economic environment, the international and domestic manufacturing market demand has declined, and supply is greater than demand, market malicious competition, production and profit levels. Many small and medium -sized enterprises are attached to large enterprises for supporting facilities. They are always controlled by others. They have little room for development and high financial costs. They are facing a loss of losses, leading to the formation of industry risks.

The risk of corporate breach of contract increases. Before and after the epidemic, the business operations were difficult, the financial situation gradually deteriorated, and the risk of breach of contract continued to increase. Banks would inevitably shrink credit and even request enterprises to repay in advance. This move often caused the corporate capital chain to be tight or even broken. The business dilemma of the enterprise has increased the risk of corporate breach of contract, thereby forming a vicious circle. In this case, the quality of credit assets of Rural Commercial Bank has continued to decline, the balance of non -performing loans and non -performing loans has continued to rebound. Paying attention to the rise of loans, and bank credit risks have continued to increase.

The impact of chain risk increase. The risk of the guarantee circle caused by the mutual protection of the enterprise has become increasingly prominent, causing the Rural Commercial Bank to chain and loan, loan, and loan, and it is difficult for any affiliated enterprise to be alone. Because small and medium -sized enterprises participating in mutual protection are generally upstream and downstream companies in the industry, the guarantee circle crisis will exacerbate their operating dilemma and even lead to a crisis of survival.

The influence of a sudden risk of morality. Enterprise operators, especially small and medium -sized business operators, are inseparable from corporate credit, and even directly determine the size of the risk of corporate. In the post -epidemic era, due to the changes in the economic environment, the survival of the enterprise will face many unfavorable and difficulties. When the personal integrity consciousness of the business operator is weak or there is a lack of moral lack, the risk is very easy to occur.

Countermeasures for the prevention and control of credit risk prevention and control of Rural Commercial Bank

Further establish and improve the credit system. First, we must innovate the concept of credit services. Affected by the epidemic, the development of Rural Commercial Bank must break the traditional thinking trend, to effectively change the management from extensive to refined, and change the credit business from internal operation to "sunlight operation". The passive service transitions to active marketing, and transforms customer managers from general constraints to strict management. It is necessary to continuously improve the research and development capabilities of new credit products and change the guarantee method of mortgage and pledge. Differential and alternative guarantee models meet the diverse needs of customers under the premise of controlling risks, and continuously innovate means, shortcuts, and high -quality services to win the market, win customers, and win opportunities. Second, we must improve the credit system. A comprehensive review of the existing system of Rural Commercial Bank, by revising and improved a set of long -term mechanisms for credit management to adapt to the development of modern market economy, standardized and guided credit work, and can effectively prevent and resolve various risks. , Organize the management system, customer objects and access conditions, types of credit business, credit operation procedures, post -loan management, risk supervision, and customer manager resource management, etc., and other institutional regulations. Carry out providing institutional guarantees.

Further build a prevention and control management system. First, we must improve the construction and control system. Through the construction of a scientific and standardized loan management and control system, realize institutional innovation, mechanism innovation, management innovation, and realize the standardization, institutionalization, and proceduralization of credit management work, so that credit management concepts are changed from human governance to institutional governance, and the level of credit risk prevention and control is strongly improved. Essence The loan management and control system focuses on solving grassroots fear of loan psychology, strengthening internal control execution, increasing the productivity of operators, salary guidance, increasing the number of customer managers, effective use of customer information, and reasonable issuing loan release indicators. Problems such as irregularity, inadequate, unscientific, etc., prevent loan risks from the source. Second, we must establish awareness of risk management. The fundamental purpose of risk management is to maximize business development and benefits under the premise of controllable risks and tolerance. Establish a sense of risk prevention and control. Through education and guidance, all employees can establish the concepts of everyone's concerns about risks, everyone to prevent risks, and consider costs and benefits. Establish a comprehensive risk management mechanism, implement the division of responsibilities in accordance with the principle of "unified management and grading authorization", establish a responsible risk management structure, and reduce decision -making risks. Increase the accountability of compliance risks. Establish a "illegal points" system to organically combine individual violations with institutional violations, cadre promotion, employee transfer, and internal evaluation. Further adopt a variety of incentives. First, we must promote the management of customer manager. In accordance with the customer manager's management loan scale, skill examination, work performance, and evaluation and evaluation of departments at all levels, scientifically determine the customer manager level, clarify the access and exit mechanism, improve the level treatment of excellent employees, forced the salary means for poor performance, forcing the means of salary means It takes the initiative to change the job, combing the various processes of all members, try to streamline the background personnel as much as possible, enrich the team of customer managers, and strengthen the training of customer managers to improve the learning effect. Second, we must improve the incentive effect of the salary mechanism. Establish a scientific incentive and restraint mechanism to promote customer managers to continuously improve their business capabilities. On the basis of actively marketing and expanding the total loan and coverage, focus on controlling risks, continuously improve the quality of assets, further increase the proportion of performance salary, and follow the ability of work capabilities. Open the gap between the salary echelon with the efficiency of work and effectively mobilize the enthusiasm and creativity of employees.

Further improve the local financial system. Accelerate the establishment of a risk compensation mechanism, improve the management system of modern enterprises, distinguish between policy and market -oriented business, and effectively help small and medium -sized enterprises that cannot obtain funds from regular financial channels to financing. Strengthen the construction of internal systems, further promote the "small" and "scattered" operations of Rural Commercial Bank, encourage its business to mainly invest in the "agricultural -related" industry, give full play to the advantages of simple and fast loan procedures, and small, medium and micro enterprises that need rapid integration of funds to integrate funds quickly , Merchants and individuals provide credit support.

Further innovate financial services. Further strengthen the responsibility of serving the local economic development, and increase the support for local economic development. Based on the principles of funds and local use, the establishment of county banks to absorb deposits is mainly used for local loans. Focusing on customers' needs, the innovation of credit product innovation of "suitable marketing", in -depth corporate investigations, rating credit to help enterprises pass the difficulties; give full play to financial advantages, and focus on doing a good job of comprehensive services for enterprises.

Further optimize the financial ecological environment. Strengthen the communication, exchanges and cooperation between "politics, silver, and enterprises", establish regular joint meetings and coordination communication mechanisms, multi -sector collaboration, new projects introduced by some governments, vigorously cultivate valid credit carriers, highlight development and promotion A group of high -quality industrial projects with high industrial policies, good market development prospects, and high capital input -outputs create a docking platform for bank loans and corporate financing; focus on creating a integrity environment, further create credit villages, credit enterprises, and credit users to fight to escape In the abolition of bank debt, multiple departments resolve financial risks. Through the joint efforts of the three parties of "politics, silver, and enterprises", they have established cooperation platforms and working mechanisms of mutual benefit, mutual benefit, and harmonious development.

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