村镇银行信用风险管理的创新性探究——以寿光张农商村镇银行为例

Innovative Research on Credit Risk Management of Village Banks——Taking Shouguang Zhangnongshang Village Bank as an Example

随着农村金融的发展和精准金融扶贫的为稳步推进,村镇银行立足县域、服务三农,成为发展普惠金融、振兴农村经济的一支重要力量。由于农村征信体系不健全,且农村经济和农村经济参与者具有特殊性,村镇银行对客户信用风险识别难度大,承担着较大的信用风险。论文主要通过风险识别、风险计量、风险监测与报告、风险控制四个方面探究村镇银行信用风险管理中有效的管理方法和存在的问题,并提出相应的解决方案,以推动农村金融的可持续发展。

With the development of rural finance and the steady progress of precision financial poverty alleviation,village banks,based on the county area and serving the countryside,farmers and agriculture,have become an important force for the development of inclusive finance and the revitalization of the rural economy.Because the rural credit system is not perfect,and the rural economy and rural economic participants have special characteristics,the village banks are difficult to identify the customer's credit risk,bear a large rheumatoinal credit risk.This paper mainly through risk identification,risk measurement,risk monitoring and reporting,the four aspects of risk control explores the effective management methods and problems existing in the credit risk management of village banks,and puts forward corresponding solutions to promote the sustainable development of rural finance.