摘要:商业银行自诞生起，银行的主营业务就决定了信贷风险为商业银行的主要风险，信贷风险也成为了金融机构与监管部门的风险防范与控制的主要对象和核心内容。从2003年起，我国的农村金融体制改革逐渐进入了一个新阶段。

　　　农村商业银行往往把自己的经营战略定义成“立足中小企业，服务本地经济”，在此战略的推动下，农村商业银行担负着扶持中小企业，发展地方经济的重任，对稳定区域经济、促进社会的和谐发展有着重要的推动作用。目前，由于我国特殊的银行体系，我国金融市场中四大国有银行占据了绝大部分份额，这就导致了业内对农村商业银行的忽视。随着国家对农村地方经济发展与中小企业发展的逐渐重视，农村商业银行的发展逐渐走入了人们的视野，农村商业银行信贷风险问题也逐步得到了关注。

　　　本文着眼于农村商业银行这一新兴金融力量，分成三个部分对农村商业银行的信贷风险管理问题进行研究。首先第一部分位理论概述，综合阐述论文的研究背景、意义、思路与方法，对国内外相关文献进行评述，并对商业银行信贷风险的概念、信贷资产分类及基本架构进行阐述。其次第二部分主要是以我国农村商业银行为总体，以靖江农村商业银行为案例，对其信贷风险管理情况进行比较分析，找出信贷风险管理中存在的问题，并对问题成因进行具体的分析研究。最后第三部分通过对该行信贷风险管理情况的调查分析，针对如何完善靖江农村商业银行风险管理体系、优化信贷投资方向等问题提出一系列可行的意见与建议。

关键词 靖江农村商业银行；信贷风险；管理

Abstract:　Since the Commercial bank emerged, Its main business determines the credit risk as the main risks of commercial Banks, credit risk has become a financial institutions and regulatory risk prevention and control of the main object and the core content. Since 2003, our country's rural financial system reform has entered a new stage.

　　　Rural commercial Banks tend to define their business strategy as "based on small and medium-sized enterprises, service the local economy," in this strategy, under the impetus of the rural commercial bank for the support of small and medium-sized enterprises, the important task of developing the local economy, to stabilize the regional economy, promote the harmonious development of society has an important role. At present, due to the special banking system in China, the big four state-owned Banks in the financial market in China occupies the majority share, this leads to the neglect of rural commercial bank. As the local economic development in rural areas and gradually attach importance to the development of small and medium-sized enterprises, the development of the rural commercial bank gradually into people's horizons, rural commercial bank credit risk problem also gradually get attention.

　　　This paper focuses on the emerging rural commercial bank financial strength, to jingjiang rural commercial bank as an example, analyze the rural commercial bank credit risk problem research. Based on the bank credit risk management present situation investigation and analysis, analysis of rural commercial bank credit risk management problems. , 1 from the level of credit risk management to risk management, internal and external development environment and control system, the results of the analysis, combined with the actual, proposed targeted to improve the rural commercial bank credit risk management.

Keywords  Jingjiang Rural Commercial Bank   credit risk   management