Study On Risk Control Strategy Of Small Loan Of Rural Credit Cooperatives

The rural credit cooperatives is the frontier, the three rural service economy construction of rural grassroots service, service, service characteristics of thousands of households determines the nature of rural credit cooperatives, both to do the marketing of credit to eliminate credit risks, this is the difficulty of rural credit cooperatives. With the deepening of reform of rural credit cooperatives, credit asset scale rapid expansion, the risk of loans have happened, even high, largely increase the burden of the credit cooperatives, the formation of potential safety problems, has become a bottleneck restricting the development of the credit cooperatives, affecting the development of credit cooperatives sustained, healthy, urgent priorities and work is also the difficulty of rural credit cooperatives in the management, therefore, strengthen credit risk prevention to resolve is the primary problem of rural credit cooperatives must solve. Cao rural credit cooperatives(Cao RCCs), adhering to the "based on the urban and rural areas, to serve the public" do social purpose, adhere to the "three rural" oriented, community oriented, oriented small and medium enterprises, county oriented economy market positioning, promoting reform, accelerating the development of the business, to become the county, the largest network of services, service is complete, the most extensive funds strong comprehensive local financial institutions, is to support economic and social development of Caoxian’s financial main force, so as to guarantee the smooth development of business in the future, the need to strictly control loans risk.Based on this, this paper takes Cao RCCs as an example, in view of its key business micro loan business management research and wind control system, combined with my actual situation in the social work, and itself about macro development level of micro credit business development status and trends of the in-depth analysis, to find out the current Cao RCCs in the actual operating process risks and reasons, at the same time carries on the investigation and study in view of the actual case, in order to reveal the mechanism of risk prevention of microfinance, and accordingly put forward the control strategy of the wind.Based on the current situation of the development of Cao RCCs microfinance elaboration, analyzes the existence of Cao RCCs microfinance business process problems, and on the basis of the microfinance facing credit risk and puts forward some countermeasures, the final conclusions are as following: first, to enhance the internal staff awareness of compliance and occupation moral, then build a good management system, for the relevant business after the preferential policies and a favorable external environment, and finally to strengthen the construction of internal control and implement, in order to promote better development of Cao RCCs of small business loans, and the reasonable and effective help of its risk control, achieve the goal of sustainable development of Cao RCCs agency business, but also for the future theoretical research and business practice provides a good theoretical reference and policy recommendation.