Credit Structure Optimization Research For SheqiXian Rural Credit Cooperatives

Rural Credit Cooperatives is a financial organization, which is composed of equity that had been paid voluntarily by the masses of peasants, for over 50 years, Rural Credit Cooperatives has made outstanding contributions for the development of the rural economy, now has become the mainstay of rural finance, and it is the important power to promote the economic development of "agriculture, countryside and farmers". "The construction of a new socialist countryside" strategic objectives was proposed, which created a rare historical opportunity for the development of Rural Credit Cooperatives, Because of the traditional management idea and mode, the contradiction credit assets structure is very prominent, Rural Credit Cooperatives cannot meet the needs of economic development, the credit structure optimization has become a very urgent problems at present.This paper expounds the connotation of credit structure and the basic principles of credit structure adjustment, it points out the importance of credit structure optimization for the development of rural credit cooperatives, Based on the asymmetric information theory in credit market, credit rationing theory and loan portfolio theory, it points out the advantages and disadvantages of SheQiXian rural credit cooperatives by the SWOT analysis method,, and the necessity of credit structure adjustment. Furthermore, it analyses the credit loan amount change trend of the SheQiXian Rural Credit cooperatives with statistical analysis method, and it analyses the credit assets structure of SheQiXian Rural Credit by three different types of loan classification, which includes the loan time classification, loan five-category classification and the loan industry classification. Then finds out the existing problems in the credit structure of SheQiXian rural credit cooperatives, Finally, this paper gives the advices that SheQiXian Rural Credit cooperatives should start from the economics of scale, implement differentiation loan portfolio strategy, and the optimize the credit assets structure strategy such as people-oriented, innovation product, diversify the loan and liquid the asset and liquid the asset etc. In the end the paper proposes the corresponding safeguard measures. I hope it can provides guidance for the credit structure optimization of SheQiXian credit cooperatives in practical work, so as to improve the core competitiveness of rural credit cooperatives, and realize the best combination about the maximum profit and risk minimization.