Daqing City Rural Credit Cooperatives Loan Credit Risk Strategy Research

At present, rural credit cooperatives is one of the main force of the financial industry inour country. In the process of long-term development, rural credit cooperatives in ruraleconomic development provides a great power, but due to historical reasons, many problemsexist in management of rural credit cooperatives, lead to bad assets ratio much higher than thatof state-owned commercial Banks. In the process of research, this paper chose the daqing cityas the research object of rural credit cooperatives. In addition, in order to make the results moreaccurate, this paper also fully on the basis of the theory of commercial bank credit management,credit risk guard against and dissolve the theory, by applying the methods of literature study,field survey, the impact on the selected object loan credit risk factors were analyzed. In theprocess of concrete analysis, from the aspects of subject, object and environment werediscussed. Mainly including daqing rural credit cooperatives system in terms of loan principaland technical analysis, mainly in terms of loan object from daqing agriculture is theconsideration of risk big industry and farmers’ production and operation activities is notstandard Angle analysis, mainly from the principal-agent relationship in terms of the loan object,the social credit system is not sound, the social security system is not sound, governmentsubsidies strength small, lack of guarantee mechanism and market operators bear policy taskmust in-depth analysis study on the credit risk, etc.Based on the analysis of China’s rural credit cooperatives, on the basis of credit riskmanagement problems, the author according to the basic situation of daqing city rural creditcooperatives, improve credit risk management ideas and measures are put forward. In the aspectof improving loan main body mainly from deepening the reform of rural credit cooperativesproperty and governance structure, establish and improve the credit risk management of theinternal control system, scientific management of loans, strengthening operation managementand risk compensation mechanism five aspects to the improvement of the risk management ofrural credit cooperatives. We will increase support for loan object mainly from raising farmers’organization scale of production and operation, increasing subsidies for "agriculture, rural areasand farmers" and perfect rural social security system in three aspects put forward relevantcountermeasures and Suggestions. In creating a good loans mainly from the environment toestablish a good credit environment, reduce local government administrative intervention,innovation loan guarantee system, and provide the necessary policy support to resolve the"baggage" four aspects put forward relevant Suggestions.Based on the current situation of credit risk and its influencing factors of study can makeus more understanding of daqing rural credit cooperatives, credit risk to the daqing provides thereference for the produce of rural credit cooperatives to guard against credit risk, the maximumextent, reduce the generation of bad assets, provide effective credit support for the new ruralconstruction of daqing.