The Study On The Peasants Micro-credit Risk Control Of Pingliang Rural Credit Union

As an important solution of rural credit cooperatives' loans problem, micro-credit has been the general concern of the community. With the increasing micro-credit business volume of RCC, the risk is becoming increasingly prominent. How to use the scientific method of micro-credit management to hedge such risks, which becomes a serious problem. Six parts of this paper answer this question.Firstly, this paper defines the concept of micro-credit. Then it sorts out the methods of micro-credit risk control and the theory of micro-credit'credit rating.Secondly, it analyzes the economic environment, the basic situation of small and medium financial institutions and the situation of RCC carrying out micro-credit business of Pingliang City. Then based on questionnaire, we analyze the Status of the financial needs of farmers in Pingliang City.Thirdly, This paper introduces the process of Pingliang RCC's peasants micro-credit from the following three aspects:credit rating, loans, and post-loan management. Then the credit rating index system for farmers has been optimized.Finally, Based on the above analysis, this paper puts forward four control measures of Pingliang RCC's peasants micro-credit-strengthening internal management, improving risk control; improving the institutional mechanisms to ensure the effectiveness of credit; fostering good credit loans environment and promoting rural financial ecology; adhering to independent innovation, and building farmer micro-credit's core competitiveness.