乡村振兴背景下农村商业银行贷款信用风险管理研究  

A Study on the Credit Risk Management of the Rural Commercial Bank Loans under the Background of Rural Revitalization

作　　者：李蓉 叶得明 LI Rong;YE Deming(Gansu Agricultural University,Lanzhou,Gansu 730070)

机构地区：[1]甘肃农业大学财经学院,甘肃兰州730070

出　　处：《热带农业工程》2023年第2期54-57,共4页Tropical Agricultural Engineering

摘　　要：随着乡村振兴战略的实施和农村金融改革的不断深入,农村商业银行在支持农村贷款、促进“三农”发展和维护农村经济稳定的过程中发挥着举足轻重的作用。因此,对农村商业银行贷款信用风险管理现状进行分析十分必要。本文对农村商业银行的经营状况及原因进行分析,并对农村商业银行贷款信用风险管理提出一些优化建议。With the implementation of the rural revitalization strategy and the continuous depth of the rural financial reform,rural commercial banks play a crucial role in supporting rural loans,promoting the development of"agriculture,rural areas,and farmers"and maintaining the stability of the rural economy.Therefore,it is necessary to analyze the current situation of credit risk management of rural commercial bank loans.This paper analyzes the operating conditions and reasons of rural commercial banks and puts forward some optimal suggestions for the credit risk management of rural commercial bank loans.

关 键 词：农村商业银行 贷款信用风险 风险管理 

分 类 号：F832.43[经济管理—金融学]