Study On The Problem Of Credit Risk Control In Gansu Minqin Rural Credit Cooperative Bank

Nowadays, the world engages in a globalization, financial liberalization and financial innovation environment, which makes the bank faced a complex risks. The outbreak of the "U.S. subprime mortgage crisis" exposed the huge potential risks faced by the financial institutions, which also sounded the alarm for the operation and management of the bank. The "12th Five-Year" period is an important period in China, which allows financial institutions to play an important role in the process of building a moderately prosperous society. Faced the new global financial regulatory initiatives and new standards, how to enhance the scale of bank operation and how to control the credit risk is concerned by each domestic bank.Like other commercial banks, Minqin rural credit cooperative bank as the operating currency bank, the credit risk control has been a top priority of the operation and management. However, there are some problems exist in the Minqin Rural Credit Cooperative bank, such as, not accurate for the loan risk identification mode, the relatively backward for the customer credit rating, credit internal control management system is imperfect, credit risk early warning system is imperfect, and the credit risk management is evasive, and so on. These problems increases the risks for the Minqin Rural Credit Cooperative bank, limited the development and weakened the function of serving rural economic development for the Minqin rural credit cooperative bank.This papers is instructed by the theory of credit risk theory, symmetric information theory and comprehensive risk management theory, and used the method combined quantitative and qualitative. Firstly, we analyzes the institutions of credit risk management in Minqin rural credit cooperative bank; Secondly, analysis the problems and its reasons in the process of control the risks in the Minqin rural credit cooperative bank; Finally, give some suggestions for the Minqin rural credit cooperative bank to build a risk control system and strengthen the risk management recommendations. It not only a reference for the Minqin rural credit cooperative bank to increase the ability of control the credit risk, and it has an important practical significance for the Minqin rural credit cooperative bank for the rapid development.