Research On Credit Risk Prevention Of The Rural Credit Cooperatives

Starting from 2003, the rural financial system reform has entered a new stage. So far, the central government for rural credit cooperatives "buy" policy has been implemented, but so far, the central government for rural credit cooperatives "blood transfusion" project did not achieve the desired effect, history problem has erased, just to form new credit risk. The state of rural credit cooperatives may not support battles to rural credit cooperatives; establish a benign "hematopoietic system". Therefore, how to effectively control and prevent from the loan risk of rural credit cooperatives, has become an important subject about the destiny of the rural credit cooperativesBased on analyzing the relevant theories of credit risk of China's rural credit cooperatives, the credit risk situation of system are analyzed, and the causes of rural credit cooperatives credit risk. Credit risk for rural credit cooperatives, proposed the effective guard of rural credit cooperatives, and the countermeasures of credit risk from rural credit cooperatives puts forward optimum Angle of external environment of rural credit cooperatives credit policy Suggestions. The conclusion of the paper is:1. Since the deepening the reform of rural credit cooperatives, its pilot management have improved, each of business had a rapid development. The central bank's capital has made remarkable achievement, rural credit cooperatives asset quality has improved obviously, the non-performing assets has declined, the rate of bad loans has significantly fell.2. Compared with the commercial banks, bad loans of rural credit cooperatives is still quite high3. The main show of credit risk of rural credit cooperatives: Formalism of mortgage guarantee the quality of loan assets, reflect the true, not lax lending management, internal control system, information feedback timely, accurate and not of non-performing assets disposal lag, poor responsibility for loans, etc.4. The main causes of credit risk of China's rural credit cooperatives is national economic system of macroeconomic policy, rural credit cooperatives operating mechanism, the internal management, management, etc.