Research Liaocheng RCCs Credit Risk Management Issues

Microfinance is a major reform of the management system of China’s rural credit, rural credit cooperatives to promote micro-credit loans, effectively alleviate the problem of farmers’ loans, and achieved good social and economic benefits. After ten years of development, China’s rural credit cooperatives have been widely distributed in the vast rural areas of the township and village community, it provides farmers small loans effectively solve the problem of poverty relief funds for the rural poor, promoting self-development of poor farmers, in scale and scope, it became the main force of China’s microfinance. However, China’s rural credit cooperatives in the implementation process in the microfinance there are still many problems, especially in the microfinance risk management there are many inadequacies. The purpose of this article is the analysis the Liaocheng rural credit cooperatives Microfinance risks in the course of its causes, related countermeasures and mode design, in order to ensure the smooth running of the Microfinance and Sustainable Development.In response to these issues, this paper through the five parts to carry out research and study, the first part is the introduction, introduces the research background and research significance, related research at home and abroad and deficiencies, this paper intends to solve the key issues, research methods, the framework and main content, in addition to the characteristics and inadequacies. The second part microfinance theoretical basis of the concept of microfinance and its theoretical basis, including microfinance theoretical assumptions, the theoretical basis of the credit rights and market failures. In addition, from the perspective of risk research credit theory, including credit risk theory, because microfinance is also a type of credit, included in the credit risk management within the theory of micro-credit risk management. Management approach highlights the major risk faced by rural credit cooperatives microfinance. The third part is the analysis of Liaocheng rural credit cooperatives microfinance risk management status quo, Liaocheng rural credit cooperatives case studies, including Introduction of rural credit cooperatives in Liaocheng, risk management analysis of the status quo, and so on. The fourth part is improved countermeasures Liaocheng, rural credit cooperatives Microfinance Risk Management, through theoretical studies as well as case studies of previous chapters, in-depth study of micro-credit risk causes of of Liaocheng rural credit cooperatives, including rural credit cooperatives own research and the study of the internal and external environment, based on risk management strategies, including schema design, the microscopic mechanism design, security mechanism, and finally raised the risk control measures. The fifth part of the study concluded with recommendations summarize the main conclusions, pointing out that innovation proposed research limitations and need to be further study of the problem.In this paper, the combination of theory and practical Liaocheng, rural credit cooperatives microfinance risk management status quo that Liaocheng rural credit cooperatives exist in the the microfinance structure, system of property rights, governance structure, credit risk, quantify the mechanisms and the credit risk management system are still some problems. To solve these problems, you can enhance and control micro-credit quality, the reform of property rights system, and improve supervision, improve the credit risk the quantitative mechanism as well as management systems to improve aspects of of Liaocheng rural credit cooperatives small risk management, which can be implemented more effective risk management. Liaocheng City, rural credit cooperatives cases, more micro, more detailed study, based on the analysis of the business and the status quo of Liaocheng rural credit cooperatives, rural credit cooperatives in China microcredit in risk management, and proposed many the small loans related to specific issues, including loan structure, property rights, credit risk, both to provide reference for China’s rural credit cooperatives microcredit provides practical significance, but also for the rural credit cooperatives Microfinance Risk Management guidance.