Research About The Credit Risk Management Of The Rural Credit Cooperative Union

This article take the Rural credit cooperative union credit risks as a center, introduced in detail the domestic and foreign related credit risks' management theory rests on, the economic explanation, the measure model and the research results and so on, And take the Jiangxi Province Rural credit cooperative as the example, the multianalysis Rural credit cooperative credit risks' type and had the reason, pointed out the Rural credit cooperative union credit risks important source.Take the Jiangxi Province Nanchang county Rural credit cooperative union actual provide's loan as the example, this article introduced in detail the RAROC model in Rural credit cooperative's function, selective analysis RAROC in the bank management and operation's function, has affected to the RAROC model in the Rural credit cooperative credit risks management has carried on the empirical analysis, and has made RAROC in the loan decision-making application example, RAROC in the economical capital disposition application example, RAROC in the loan fixed price application example three concrete studies.Through to the Jiangxi Province Rural credit cooperative's empirical analysis, this article proposed strengthens the Rural credit cooperative credit risks guard management the countermeasure.This article has conducted the system research to Rural credit cooperative's credit risks and the management, to be related the policy-maker and the researcher has provided the reference, had certain practical significance.