The Study On Micro-credit Risk Control Of Jilin Province Rural Credit Union

For a long time, rural credit cooperatives as the mainstay of rural financial services, is very important for agricultural production and for rural economic development, has made outstanding contributions. Farmers microfinance services as a kind of special services to farmers in the financial products, rural credit cooperatives and pursuit of benefits, with the social responsibilities, the loan risk directly affect the quality and the survival and development of the credit. Especially in 2004, the provincial association after the establishment of the rural credit cooperatives insist "based on agriculture, rural community, service oriented" market positioning, increasing credit support ascension, service level, supporting strength enhanced markedly. The rural credit cooperatives respectively in the commercial bank loans scale of financial institutions and the second. Five years accumulative total agricultural loans into 18 billion yuan, it is about 90% of all kinds of financial institutions of jlin province in agricultural loans.The number of households 267 million loan, loan coverage reached 70 percent, worth 1.7 million loan balances, rural credit cooperatives become worthy of rural financial force. Currently, the development of rural credit cooperatives is an important problem is financing cost is high. Due to the social recognition of rural credit cooperatives, low cost and outlets of the management of low cost, high cause less fund, the fund organization higher cost. 2009, the average cost of capital of rural credit cooperatives, LiaoYuan area is 5.07%, the highest is 6.79%reach. Cost of capital loans to farmers high is also relatively high. Although in recent years the rural credit cooperatives has dramatically reduce lending rates, but the peasant households for heavy burden of interest, still the loan interest rate farmers in 10%. Based on the background of jilin province rural credit cooperatives for enterprises, mainly from microfinance analyzes the present situation and existing problems, and summarizes the main risk control and reasons of the related countermeasures. In combination with actual operation situation of rural credit cooperatives of jilin province, on the basis of participants with credit for the division standard, the risks are divided into four categories: environmental risks, credit risk, risk management and risk, emphasizes the credit is the most important "credit" 2 words, there are still borrow, to borrow. And discusses on the four categories of risk control measures, especially in policy risk control measures to help the government departments, rural credit cooperatives organization low cost capital. The government play the leading role, combined with the construction of rural credit cooperatives, active help fund, encourage the administrative organization, enterprise and society department to open an account, the increase of rural credit cooperatives reduced size, low cost capital costs, better support for rural economic development. This paper adopts integrating theory with practice, qualitative analysis and quantitative analysis of the research methods, combining with farmers microfinance related theory as a foundation, rural credit cooperatives in jilin province, analyzes the status quo and the causes of the risk is proposed, based on the effective risk control strategies and measures, and at the end of the article summarizes some enlightenment.