Policies and Suggestions on Credit Risk Management of Rural Commercial Banks in Post–Crisis Era

Abstract

Rural commercial bank mainly obtains its own profit by carrying out credit business, so credit risk has become the main risk that rural commercial banks that our country should undertake. Although the era of the global economic subprime crisis has gone, the rural commercial banks must strengthen their awareness of credit risk management because of the adjustment of the national macroeconomic policies and the emergence of new credit risks in their business processes. The author analyzes the main problems in the credit risk management of the rural commercial banks in the post-crisis era, and puts forward the relevant suggestions.