Reseach On The Risk Control Of Small Loans From Rural Credit Cooperatives In Xiamen

In recent years, the rural credit cooperatives play a important role of rural finance in the "three rural" progress and development, which has made a significant contribution. Micro-finance business has become an important measure of rural poverty alleviation. It helps ease the difficult problem loans to farmers, promoting rural economic development, increase production and incomes in agriculture. As a professional financial products and services to farmers, rural credit cooperatives in the pursuit of efficiency and social responsibility, plays a decisive role, and its direct impact on the survival and development of RCC survival. But with the gradual increase in household micro credit business, plus some of its own special properties, such face some problems and higher than the average credit risk in its payment process.Data provided by rural credit cooperatives shows that the rate of non-performing loans of financial institutions in 2014 to produce household loans reached 2.4%, while non-performing loans due to farmers and rural credit cooperatives to generate rate of 5.4%. Fujian province in 2014 due to the balance of non-performing loans to farmers produced 54.454 billion yuan, non-performing loan ratio was 1.81%. On the current situation, risk control Micro-finance is important for very urgent for the economic development of Fujian Rural Credit Cooperatives.In this paper, started in Xiamen City, rural credit cooperatives small farmers credit risk control, analysis and use of relevant theories of the actual situation, the current control status of Xiamen City, rural credit cooperatives Rural Micro-finance risk anatomy, the current existence of the cultural level of farmers lower credit rating is not accurate, rapid changes in monetary policy, the development of micro-credit financial environment affected rural risk mechanism imperfect, pursuant to proposed government must strengthen the awareness of farmers credit promotion, the borrower the loan money, loans, the loan-to-back management and supervision, strict review the borrower’s credit rating, strengthening the micro-credit financial environment, improve the rural risk mechanism, innovate, develop better revamped micro-finance services and other measures, such problems can be solved.