Study Of Liaoning Provincial Rural Credit Early Warning System

Finance is the hinge of the national economy and banks are the core of the financial system. Commercial banks, with abundant capital and various financial services, not only gain high proceeds but also have positive function to enhance social capital usage efficiency, to reduce financing cost, to impulse the development of the boom industry and to carry out the national macro-policy. But rich return means high risks; the linchpins to estimate a modern bank's ability of management and competition depend on whether it can supervise its risks roundly and efficiently. The fact indicates that financial risk management is still an important point even in the highly developed western financial market.As an important part of financial system in china, rural credit cooperatives not only carries out various banking business but also acts as the main institute to support the development of the farmer, agriculture and rural area, which means that it bears more social responsibility. Food shortage happened worldwide this year and China is facing this challenge too. State department has requested once again that the rural credit cooperatives should increase financial support to the agricultural production. Therefore, the self-prevention of the rural credit cooperatives and the way of defusing financial risks is not only the need for the development of rural credit Cooperatives but also for the social stability and the healthy development of national development.For a long time, all kinds of potential risks are not exposed because of the shortage of management tools in Liaoning Rural Credit Cooperatives. Agencies at all levels are weak at the concept of modern commercial banks risk management, their risks management efficiency are low, and high-risk agencies are lack of prior warning tips. It is urgent to establish modern banking risk management system of early warning indicators by the method of combining quantitative with qualitative analysis evaluation, according with the regulatory indicators standards and management system and it will set identified Criteria of management and operation indicators for the Liaoning rural credit cooperatives. "the evaluation and early warning system of Liaoning Provincial Rural Credit Cooperatives risk measurement" developed on the basis of modern banking risk management system of early warning indicators will provide a comprehensive risk management and efficient technical means for the Liaoning rural credit Cooperatives.Consulting through a large numbers of management system documents, academic thesis, research reports and other literatures, this thesis analyses the performance, harm and cause of the risk of rural credit cooperatives indepth under the circumstance of new economic environments and industry supervision. Following the theory of system science, it uses the method of integration to relate finance, management, statistic, information and other knowledge of bank risk management together. This thesis establishes the risk management criterion of liaoning rural credit cooperatives on the basis of integrate selection of risk management target project, and establishes banking risk management early warning system by using the modern technology. Through ordered organization and circulation, it finally realizes the construction of Liaoning rural credit cooperatives's risk early warning system.Risk early warning system provides its users with direct and amicable usage interphase to evaluate and pre-warning various risks for liaoning rural credit cooperatives. Thus helping supervisors to gain information roundly and take steps accordingly. This system is up to the mustard of national policy and supervision, and is prospective from the aspect of system design. It peruses concise, high effective and feasible on the system usage interphase design, in the meantime, low jumping-off point on hardware configuration to suit for popularize and exercise it in rural credit cooperatives system of the whole province.