Research On Credit Risk Management System Of Shaanxi Rural Credit Cooperatives

With the impact of financial crisis and the deepening of financial reform, the financial risk management has received much attention, and credit risk management as a financial risk management is particularly important in a circle, but also caused widespread concern in the industry. Shaanxi rural credit cooperative is the main force to support and promote the development of rural economy in Shaanxi, the economic development plays an irreplaceable role in rural areas. However, at present, the rural credit cooperatives in Shaanxi also have a higher credit risk, which has a negative impact on the development of rural credit cooperatives in Shaanxi and the economic development of rural areas. This paper focuses on the actual situation of rural credit cooperatives in Shaanxi, based on the access to a large number of information and the actual work to get a hand on the basis of the credit risk management.In this paper, the basic theory of credit risk management and related research is carried out. After that, it analyzes the current situation of credit risk management of rural credit cooperatives in Shaanxi, and points out the problems such as the lack of internal control measures, the lack of technical innovation consciousness of credit risk management, and the lack of talent management mechanism. On this basis, we put forward the concrete measures to construct the credit risk management system of rural credit cooperatives in Shaanxi, including: the establishment of corporate governance structure, the introduction of risk management mechanism and improve the level of loan management, innovation, Finally, from the system, personnel construction and environment, etc., the three aspects of Shaanxi rural credit cooperatives credit risk management system implementation of the security measures.This paper draws the following conclusions and implications:first, it folly explains the importance of credit risk management in the banking industry, and provides suggestions for the development of the banking industry in the credit business. Second, through the credit risk management of rural credit cooperatives in Shaanxi, the status of the current situation of Shaanxi rural credit cooperatives credit management development process. Based on the current situation of the risk management of rural credit cooperatives in Shaanxi, the paper puts forward the problems of credit risk management, and then analyzes the reasons of the formation of credit risk and puts forward the solutions.