Study On Credit Risk Management Optimization In Gansu Province Rural Credit Union

At present, China is in the social transformation, economic transformation, change the concept of historical stage, the domestic banks are facing the external environment, constraint conditions and customer needs in the new changes in the operation and management of hitherto unknown, facing serious challenges.Since2005, a new round of reform of the management system of rural credit cooperatives, rural credit cooperatives have been set up in the Department of risk management from top to bottom corresponding, but from the run, duty only stay in the loan review, loan risk classification of assets, loss of verification, non-performing asset preservation, not really comprehensive risk management work in a prominent position.Method of work only by personal experience by qualitative analysis and simple management, did not establish a scientific risk management system to quantitatively identify, measure and monitor the risk, and the modern banking risk management more emphasis on quantitative analysis, risk management more and more reflect data, quantitative characteristics.Management of technology transition gradually from simple to complex statistical analysis management is an inevitable trend of comprehensive risk management of rural credit cooperatives.Based on this background, this paper take rural credit cooperatives in Gansu Province Rural Credit Union as an example, in the use of scientific and effective method, the full investigation on the rural credit cooperatives in Gansu Province Rural Credit Union, the current credit risk management present situation, the enterprise overall risk culture, by analyzing the problems of credit risk management and its causes are analyzed deeply, based on draw lessons from the domestic and foreign credit risk management advanced experience, put forward the improvement scheme optimization goal, principle, method and content, put forward to guarantee the implementation of the new scheme of the need to improve the matching and risk control measures.On the advantages and disadvantages of optimization scheme are discussed and analyzed deeply.