The Rural Microcredit Operational Risk And Sustainability Research

Micro finance is a new type of rural financial market services in the 21 st century, facing the farmers use and regulation issued regulations amount loans nature of financial business, its operation has certain background of poverty reduction policy, its existence and development made an important contribution to the perfect of rural financial market and stability. At present, small loan is primarily ran through rural credit cooperative mode in china. As the cooperatives in restructuring, and ABC period broken away within a stage and subsequent accumulated an abundance of bad assets, so the central bank absorbed and transfer most of the bad loans for rural credit cooperatives through the notes of the replacement of this method, in order to reduce development of company system, to qualify the perfect of the corporate governance structure. In order to help the survival and development of rural credit cooperatives and to solve problems of shortage source of rural credit cooperatives, central bank refinance the system and implement low interest rates, this has become the important reliance and guarantee of cooperatives capital and lending stability. Therefore, the starting point of the rural credit cooperatives has colour of national poverty alleviation, but in fact, the service object cooperatives are limited to middle-income families, for richer and farmers that part of the poorest rural farmers, extending micro finance coverage and support are far from enough.Take the basic condition of small loan of anqiu city of shandong province and the subordinates--- cottage town and village region as an example. By processing based on the basic operation mode of rural credit cooperatives and carrying the corresponding risk assessment and analysis on its cash flow process modeling, we can get some problems about the rural credit cooperatives in today's rural areas, and conclusion about wether most common microfinance mode is healthy or not, thus make possible explanation to several further development directions. Paper is divided into seven parts:the first part of the thesis is quotation, including main research background, research content and technical route; The second part is general rural microcredit, examining the operation mode of the rural microcredit; The third part is the typical case analysis, taking rural credit cooperatives in shandong province as an example, and examining the anqiu city rural microcredit operation process, trying to get the actual operation situation today, rural credit cooperativesThe fourth part includes processing of cash flow process of rural credit cooperatives mode, by choosing basic variable index, constructing the cash flow model of rural credit cooperatives, and on every subject interests are compared. The fifth part is the risk of rural credit cooperatives, based on cash flow model analysis, demonstrating the effect of macroeconomic indicators because of the risks of the rural credit cooperatives, and institutional risk; The sixth is existing institutional defections in rural microcredit. The 7th part is diversified countermeasures of disposal, optimizing rural credit cooperatives through dealing with bad loans innovation on the cooperatives operating mechanism, system reform about rural credit cooperative, the optimization of external environment for rural microcredit. The 8th part is the predicted rural microcredit future development direction...