Laiyang Association Of Rural Credit Cooperative Credit Risk Management Research

In recent years, China’s rapid development of rural small and medium-sized financial institutions, has reached a new stage. With its development, the scale of credit also accelerated expansion. This expansion not only for the rural small and medium-sized financial institutions to bring better returns, but also exposed the credit in the process of the various risks. As a result of rural small and medium-sized financial institutions and rural economy exists between the symbiotic relationship, the development of the rural economy development is having tremendous stimulative effect, but the credit risk for the development of rural small and medium-sized financial institutions constitute the most immediate threat.So how in the new historical period to strengthen rural small and medium-sized financial institutions credit risk prevention and control, better play of rural small and medium-sized financial institutions to the rural economy will become the key to development of rural economy. As the main force of the rural financial credit union, is faced with various challenges and unmeasurable factors, is facing rare development opportunities and favorable conditions. For the prevention and control of credit risk prevention to strengthen credit management work proceed with, Duocuobingju, strive to improve the quality of credit assets, credit funds to ensure the safety, liquidity and efficiency.But in its development has encountered some obstacles, the rural small and medium-sized financial institutions generally in small scale, credibility is low, resist risk ability is weak, easily due to the breach of privilege or improper operation of the shareholders and risk, and the risk is higher than commercial banks. This paper attempts to analyze the credit risk causes, in view of the current status quo of the development of rural small and medium-sized financial institutions, research and analysis of risk prevention measures, to boost rural small and medium-sized financial institutions to improve risk control ability, promote the development of the whole national economy in a more positive, positive role.In this paper, the rural small and medium-sized financial institutions credit risk management are outlined, that the credit activities in raising and use of funds, adjusting economy and the accumulation of capital, reflection and supervision of economic activities in three aspects the function, secondly elaborated from several aspects of rural small and medium-sized financial institutions credit risk causes and risk characteristics, and one by one, undertake thorough analysis on this foundation, union, Laiyang rural credit cooperatives credit risk management and the actual situation, from credit business, credit business management process of risk identification, risk early warning, credit business credit business risk prevention measures from four aspects and puts forward the corresponding countermeasures and measures of credit risk.This paper changes the scholars at home and abroad for the measurement of credit risk research and analysis angle, tries to pass pair of rural small and medium-sized financial institutions credit risk cause of in-depth analysis, in comparison to the traditional credit business of commercial banks based on the theory of risk management, study and research in line with China’s rural small and medium-sized financial institutions for credit risk the effective management system and management methods, combined with Laiyang agriculture letter society credit risk management and the actual situation, proposed the Laiyang rural credit cooperatives credit risk management methods, to build a credit risk identification, measurement, control and management, early warning assessment related to the overall credit risk management system. The agencies want to help improve credit risk management and improve the market competitiveness of small and medium-sized financial institutions in rural areas, to promote the reform of the rural economic system, to provide a bit of reference for the development of the rural economy.