The Credit Risk Management Research Of Our Country’s Rural Credit Cooperatives From The3D Views Of Government, Bank And Market

With the China entry into WTO, China’s economic system has carried on thefurther reforms, China economy began to gradually from the “market opening stage”to “rule or system open phase”, which is China’s “reform and opening up” for thesecond time. With the rapid development of economy, the position and role of thefinancial industry in the economic development of our country is becoming more andmore outstanding. Nevertheless, the banking industry as one of the financial industryis still in the undeveloped stage. Credit risk is one of the main risks in the bankingindustry. the main business of Rural credit cooperatives is the credit business. Ruralcredit cooperatives are facing the most important financial risk is credit risk, which ishas become the focus of everyone’s attention about the financial risks. A rural creditcooperative is Self-financing enterprise, democratic management, and financialinstitutions to provide support for agriculture, farmers and rural economicdevelopment. It is an important part of the financial system in China. The flourish ofrural credit cooperatives has brought great opportunities and challenges to theconstruction and development of Chinese rural areas. At the same time, the variedmarket environment, business environment and the role of government provides anumber of uncertainties for the credit risk of rural credit cooperatives. In this paper,based on the survey of risk management of rural credit cooperatives in A city, fromthe3D views of the government, Banks, the market, combined with the theory of riskmanagement of multi center, discussed and analyzed the new ideas and newperspectives in the present practical operation of credit risk management of China’srural credit cooperatives.The research object of the full text is the credit risk management of rural creditcooperatives in A city. The first part is introduction, it mainly introduced the paperselected topic background and the purpose and significance of topics, as well asrelevant theories about domestic and foreign research review of credit riskmanagement and the relevant theory of the basic risk. The second part is a newperspective of this article. It analyzed the credit risk management of rural creditcooperatives through the3D views of market, government and bank. The third part isthe empirical part of the article. It practiced the necessity of focus on credit risk management of rural credit cooperatives from the3D views of market, governmentand bank. The fourth part is the conclusion.This paper attempts to study of credit risk management of rural credit cooperativesfrom the3D views of market, government and bank. It combined theory with practiceclosely, and analyzed the availability of the more effective implementation of thecredit risk management through the empirical case from the3D views of market,government and bank. The new ideas and new thinking of the reform anddevelopment of credit risk management in A city rural credit cooperatives, which ispractical and helpful to credit risk management of China’s rural credit cooperatives.Under the new social environment, in cooperation with the Government and ruralcredit cooperatives, in alliance of rural credit cooperatives and the farmers, and tostrive to find transcendence in other banks from competing platforms, innovation inmanagement, improvements in innovation, enterprises will achieve optimization andpractice of credit risk management of rural credit cooperatives.