The Rural Credit Cooperative Union Of Lian Yuan Study On Optimization Of Management After Loan

To cope with the international financial crisis aftermath, the Chinese governmentcontinues to implement the loose monetary policies and preferential "threeagriculture" policy.The rural credit cooperatives credit to further expand the scale, atthe same time, the rural credit cooperatives are faced with greater challenges of creditrisk.Concentration of credit risk exposure is the link of management afterloan.Therefore, to improve the ability of management after loan, find, identify risks ina timely manner, and effectively prevent, resolve, disposal of risk, so as to ensure theasset safety, liquidity, efficiency, related to the survival and development of ruralcredit cooperatives.increasing the management after loan helps the good running ofpost loan management system. Lian yuan Rural Credit Cooperatives LoanManagement has many problems,and need to optimize the management system.This paper first analyzes the literatures at home and abroad, and summarizes theexisting financial enterprise credit management related theory and researchresults.Based on the in-depth analysis of the reasons for the current situation,problems and the management of Lian yuan Rural Credit Cooperatives Loan.Plan andimplement have proposed to improve the post loan management system.This paper believes that the concept of the Lianyuan Rural Credit CooperativesLoan Management is very dim.Organization structure is not perfect and the process isnot smooth,which results in poor management; incentive mechanism is notperfect,which results in poor execution;the content is not fine and the method issimple and the management of the blind spot and backward technology, which leadsto low efficiency; high cost and information asymmetry and customers do not match,which causes credit risk expansion.According to the research results, this paper considers that the main way toimprove the management capacity of rural credit cooperatives in Lian yuan after theloan is to optimize the post loan management system, and with strong measures toensure the implementation. So it is possible to improve the management ability ofLian yuan Rural Credit Cooperatives Loan, to realize the sustainable development in ahealth way. In addition, the optimization scheme of management of Rural CreditCooperatives Loan of Lian yuan city has the reference value to the rural creditcooperatives.