Research Loudi RCCs Customer Credit Rating Management System

Consummating customer credit rating management system and improving the customer credit rating risk management level can enhance the better and faster development of rural credit cooperatives in China, to some extent. But, the present operating status of rural credit cooperatives hinders the play to the role of the main force in rural finance, especially in system and economic environment. It has some serious problems, like high NPL ratio, so it is facing serious challenges.A regional rural financial institution –customer credit rating risk management of rural credit cooperatives of Loudi is this research object. First, this paper discussed the theory of domestic and international customer credit rating, by the on-the-spot investigation, next, analyzed the present customer credit rating management situation and found some problems, like not enough credit rating program execution,hysteresis credit rating method and the bad ability of credit rating risk management,then explored the reasons from rural credit cooperatives,lenders and external causes.As for rural credit cooperatives, the drawbacks are imperfect risk control mechanism and credit business internal control mechanism. As for the lenders, the drawbacks are the nature and business environment. External causes are the missing credit environment, the effect of national policy and the intervening of local government.Finally, to improve the customer credit rating system, the paper suggested it should start with the goal and thinking, risk management and control and asset protection. Meanwhile, this paper formulated some safeguards, such as the supporting platform of financial ecological environment, human resource management system and culture management of customer credit rating system. All suggestions would improve the level of customer credit rating risk management to a certain extent,including rural credit cooperatives of Loudi and others.