Study On Risk Management Of J Rural Credit Cooperative Joint Guarantee Loan

Rural credit cooperative is a rural cooperative financial institutions, the implementation of democratic management, the establishment is approved by the people’s Bank of China,, composed of membership,, democratic management, its main function is the cooperative financial institutions providing financial services primarily for members of the rural. Rural credit cooperatives have is an independent enterprise legal person qualification, responsibility for the debt of rural credit agency with all its assets, according to law, enjoy civil rights, and bear the corresponding legal responsibility, the debt of rural credit cooperatives, at the same time. The legitimate rights and interests of property, and to carry out business activities are protected by the national law. Its main task is to raise rural idle funds, for the "three rural " agriculture, farmers and rural economic development to provide financial services. In addition, in accordance with the provisions of state laws and financial policy, organization and regulation of rural fund, in support of agricultural production and rural comprehensive development, support various forms of cooperative economy and members of family economy. Loan interest income is the main source of income of the rural credit cooperatives. Rural credit cooperatives is the banking financial institutions, require the use of advanced, scientific credit management, strengthen the credit management, improve the quality of credit assets. The risk of rural credit cooperative mainly for credit risk, operation risk and market risk. The management of credit risk is the core task of risk management of rural credit cooperatives. Have a bad loans mainly is the comprehensive result of internal and external factors. Rural credit cooperatives needs from the height of sustainable development and profound understanding of the importance of credit risk management, effective risk aversion and risk and revenue optimization. Peasant peer-selection loan pattern in the prevention of credit risk, reduce the audit cost, avoid adverse selection, improve the repayment rate and stability of rural financial market has played a positive role. The rural credit cooperatives credit risk management and large domestic and foreign commercial banks, there is a gap in the consciousness of risk management, risk management system, risk management measures. Risk management is a systematic process, rural credit cooperatives should actively explore for its actual development loan pattern, perfect credit management continuously. The J County Rural credit agency will with the scientific outlook on development to guide the overall situation, in order to promote steady and rapid development of county economy is the primary task of J, firmly establish the first-class financial goals, adhere to sound management, the steady development of the business philosophy, efforts will J rural credit cooperatives into a surface to the development of the county economy and society, to serve the "three rural ", community residents, small and medium-sized enterprises and the county economy, clear property rights, management norms, with strong competitiveness and modernization of local banks, and make positive contribution to the new rural construction and the county economic development.