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The Law’s Control Of The Rural Credit Cooperatives’ Loan Risk

Posted on:2012-03-17Degree:MasterType:Thesis
Country:ChinaCandidate:J C ZhangFull Text:PDF
GTID:2246330377454906Subject:Law
Abstract/Summary:PDF Full Text Request
As China’s rural financial competition pattern of the formation, the rural credit cooperatives which is the traditional rural financial institution has the main task to compete for a majority position. On the one hand rural credit cooperatives natural competitive, on the other hand, rural credit cooperatives as a member of the financial institution has many needs to improve. One of the key is credit management. Because of our country’s rural credit cooperatives under the planning system in the long run, the relevant system construction could not present market economic integration. In2006"the compliance risk management guidelines "promulgated, Credit the legal risk has make out.Produce credit legal risk many reasons, both the external causes and internal reasons. One of the external system, policies and other reasons and its long-term exists in the rural market, no can completely into the middle of the competition market. Because of the lack of effective competition in the market, rural credit cooperatives will make the internal governance is relatively backward. In the operating mechanism, internal management, management means there are many problems. One common risk with the borrower cannot or will not repay loan, loan contract content or security contract shall be invalid or defective, in violation of the provisions of laws, win the lawsuit power loss. They not only increase the rural credit cooperatives of the credit risk, but will also affect the rural credit cooperatives and even the entire rural financial market risks.For credit risk to the prevention of the credit should focus on reasons of the occurrence and the type of risk to take corresponding preventive measures. Owing to space here only limited from microcosmic Angle to the interior of the credit risk avoidance was discussed. Mainly involves the loan of examination, the loan contract signed by the bad loans and a great problem. In the review process of the loans to borrowers full for review, including loan qualification review, ability to service its debt, guarantee measures such as the review. The signing of the contract, the contract should include loans out of the terms and conditions of the list. The security contract is also discussed in detail. In addition to the contract signed in rural credit cooperatives in the existing problems as are illustrated. Take time by the forelock in preparation of timely action after with legal weapon to safeguard the lawful rights and interests of rural credit cooperatives.
Keywords/Search Tags:Loan risk, Rural credit cooperatives, Loan review, Loancontract, Guaran teecontract
PDF Full Text Request
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