The Research Of Rural Saving And Credit Cooperative Risk Controlling In Huoshan County Anhui Province

With the rapid development of modern economy, rural financial institutions can’t satisfy the antinomy for farmers’ demand more and more seriously. The emergence of rural mutual funds cooperative can alleviate this contradiction situation. Funds mutual-aid cooperatives has the idea of "people monitor, manage, run by the local people". It relies on that the masses of farmers buy a share which form a small private financial institutions, it helps farmers to provide financial support, and alleviate the situation of insufficient supply to rural financial institutions. Relating to the other formal financial institutions, as an important part of new rural financial institutions and the key to development aspect, the rural mutual funds cooperative’ characteristics are easy loans, procedures simple, no mortgage, low interest rates. However, now our country rural mutual funds cooperative is still in the primary stage of development. It not only that the operation and management don’t complete, but also don’t set up a scientific risk management mechanism. In practice, all kinds of risk control problems will become the key to affect the operation of rural mutual funds cooperative development.This article mainly research the rural capital mutual cooperation mode in the county of Huoshan which is in Anhui province.Through research the risk management means of two modes of funds mutual-aid cooperatives, and analyze of this kind of fund mutual cooperative problems in risk management, the author put forward to corresponding suggestions and measures, building a perfect risk management mechanism and improving the efficiency of rural mutual funds cooperative. In this paper, it provides the reference to prevent risks of the rural financial institutions and strengthen the management of the rural financial system. The paper make a certain contribution to the construction of new countryside.