农村金融改革下农村商业银行风险管理分析

Analysis on Risk Management of Rural Commercial Banks under Rural Financial Reform

农村商业银行立足于服务"三农"、服务"中小微企业"、服务"区域经济",是我国在农村地区分布范围最广、服务人群最多的普惠型金融机构,农村商业银行的金融服务对广大农村地区的经济发展将起到"主力军"的作用。本文研究了农村金融改革背景下农村商业银行风险管理的特点、现状和存在的问题,提出了优化农村商业银行风险管理的对策建议:改善人员层次,提高风险管理意识;健全体制建设,完善风险评估体系;规范贷款流程,建立并完善客户授信评级系统;加大风险教育,培养风险管控人才。

Rural commercial banks, based on serving"agriculture, rural areas and farmers","small and medium-sized enterprises"and"regional economy",are the most inclusive financial institutions in rural areas in China, and their financial services will play a"main force"role in the economic development of rural areas.This paper studies the characteristics, present situation and existing problems of risk management of rural commercial banks under the background of rural financial reform, and puts forward some countermeasures and suggestions to optimize the risk management of rural commercial banks: improving the personnel level and raising the awareness of risk management;perfecting the system construction and the risk assessment system;standardizing the loan process and establishing and improving the customer credit rating system;increasing risk education and train risk management and control talents.