1, the high proportion of medium and long-term loans will increase the bad risks of rural commercial banks, especially when there are problems in the local economy, which will have a greater impact on rural commercial banks. Therefore, rural commercial banks need to improve their management and risk control capabilities, and at the same time have rich products to serve customers and meet the needs of various customers.

2. Facing the increasing downward pressure of economy, the NPL ratio of rural commercial banks is still on the rise. Xiao Lei, a senior financial analyst, said that on the whole, rural commercial banks are involved in a relatively low-growth field, which is different from the business of many commercial banks. Therefore, if the overall economic growth slows down and the policy support for agriculture, rural areas and farmers is not in place, it will easily lead to an increase in the non-performing rate.

3. Loans in real estate, construction and other industries account for a relatively high proportion, which is not conducive to the dispersion of credit risk. There will be great downward pressure on the quality of credit assets in the future.