Study On The Credit Risk Management Of J Rural Credit Cooperative Association In Jining

With the deepening of China’s reform of financial institutions, rural cooperative financial institutions (including rural commercial banks, rural cooperative banks, rural credit cooperatives, hereinafter referred to rural cooperative organizations) supporting the agricultural economy and becoming a major economic and financial power of the county. They bear the support of the "three rural" (agriculture, rural areas and farmers) from the inception. They are special financial institutions because of shouldering social responsibility and historical mission of the country, and take an important part in China’s banking industry. In recent years, the overall the state of rural cooperative organizations have been significantly improved. However, with the rapid expansion of the scale, non-performing loans hinder the healthy development of rural cooperative institutions constraints at the same time. Through the development of rural cooperative institutions credit risk management system, improved analytical methods in the use of credit risk management in order to improve their credit risk management, not only can promote rural cooperative institutions themselves healthy and sustainable development, but also can improve the system of rural financial, promote "three rural "economic development will have a positive impact.The paper is divided into six chapters. At first, described the background and significance of the research, and the commercial bank credit risk management theory, then expounded briefly summarize the current study of commercial bank credit risk management concepts and results. Then take J rural cooperative organization in Jining (hereinafter referred to J association) as the object to research the credit risk management of rural cooperative and analysis organization, describes the development of the external environment and credit conditions in the economy in which J association press. Then told the current credit risk management problems of J association for five areas, just as the quality of assets, organizational structure, system construction, management processes, personnel quality combined analysis of previously conducted, and gave three from of the institution’s credit risk management factors for the business operations, external environment and internal management analysis of the reasons. Combined to successful experience and advanced practice in commercial bank credit risk management, gave clear objectives and principles to perfect credit risk management of J association, and also had propose specific measures to strengthen internal management for the problems and reasons exists in J association. Finally, gave the main conclusions of this paper, including the shortcomings and the prospect.The main conclusions of this study are:The process improvement of credit risk management is the importance and difficulty J association faced. Draw on the commercial bank credit risk management theory and practical experience, therefore to improve the traditional risk management approach which divided to before loan, loan, and post-loan three parts. Identify modern risk management including identification, measurement, and monitoring, and controlling four directions, just as starting points. With the use of scientific risk identification method of credit risk management, establish a quantification system of credit rating and enterprise risk warning, which has the function of credit rating and risk prompts warning, and improve the risk management control measures to form a complete and comprehensive credit risk management processes and systems.