Prevention And Disposal Of A County Rural Credit Cooperatives Against Bad Loans

The funds required for the rural economic development mainly from the rural credit cooperatives, rural economy development can’t depart from the support of credit cooperatives. But influenced by history, system, policy and other reasons, rural credit cooperatives in the process of developing their business formed a large number of non-performing loans, seriously restricting the sustainable development of its own,also lost the ability to support local economic development. High non-performing assets ratio caused by credit cooperatives heavily indebted, management risk,seriously endanger the existence and development of credit unions, particularly in the bank under the background of the transformation, of bad assets disposal and prevention has become the priority of rural credit cooperatives.In this paper, by analyzing the present situation of A county rural credit cooperatives of bad loans it is concluded that the county rural credit cooperatives to produce A large amount of non-performing loans because there are two main reasons,the external mainly policy system is not standard, the borrower’s profitability is caused as A result of credit loan of the external environment is bad, and credit cooperatives within constraint mechanism is not sound, risk prevention mechanism or have not been established, A large number of non-performing loans not effectively solved. According to the reasons of the county rural credit cooperatives of bad loans and characteristics can be solved by combination of prevention and control of the county rural credit cooperatives of bad loans. Innovation collection way, not only strengthen the routine collection, more not to give up off-balance-sheet recovery of bad loans, and timely introduction of private capital, provides new vitality for non-performing loans recovery. Points out that a sound internal control system,excellent human resources support, timely information monitoring and moderate risk transfer, is the county rural credit cooperatives direction control of non-performing loans.