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农村商业银行(简称农商行)最大的风险就在于信贷风险,信贷风险直接影响农商行的经营效益和现代农村金融制度的正常运行。因此本文研究农商行的信贷风险就有其必要性。本文首先在对农商行发展状况分析的基础上,重点对中国农商行的信贷风险成因,信贷风险类型以及信贷风险的解决途径做了详细分析,最后运用案例分析法,对于北京农商行的信贷风险管理措施和方法进行了分析和经验借鉴。北京农商行风险管理的成功应用对于中国未来农商行的发展乃至整个现代农村金融制度的建设具有重大的借鉴作用。
The greatest risk of rural commercial banks (ABC) lies in credit risk. Credit risk directly affects the management efficiency of rural commercial banks and the normal operation of modern rural financial system. Therefore, this paper studies the commercial bank credit risk has its necessity. Based on the analysis of the development status of rural commercial bank, this paper focuses on the causes of credit risk, types of credit risk and credit risk solutions of China Rural Commercial Bank, and finally analyzes the credit risk of Beijing Rural Commercial Bank by using case analysis method. Management measures and methods were analyzed and learned from. The successful application of risk management by Beijing Rural Commercial Bank is of great reference to the future development of China Rural Commercial Bank and the construction of modern rural financial system.