earance is difficult and, in the disposal of non-performing loans still exist lots of room for improvement.
Rural commercial bank financial risk has to be reckoned, but due to the current domestic research on rural commercial bank non-performing loans is also very good, most of the literature is mainly drawing on the experience of other countries in non-performing loans, which of the non-performing loans of commercial banks have limitation. Through in Qingyuan, Rural Commercial Bank branch as an example, analyzes the status of branch of non-performing loans, from the aspects of external and internal factors causes the problem of non-performing loans to carry on the research analysis, and puts forward the Preventive Countermeasures of non-performing loans according to the actual development of China's commercial banks, from the source to avoid the occurrence of non-performing loans, for the grass-roots branches of the bank has a strong operational and targeted, to improve the core competitiveness of Commercial Bank of our country has a very important significance. But in view of the lack of superficiality of their own knowledge and working experience, to bad stay to see the research there are many sided and inadequacies, please teachers to give the criticism and correction, and I will in future work to learn, continue to explore!
Key Words：Rural commercial bank, loan risk, preventive measures