Research On Credit Risk Management Of Jianchang Rural Credit Cooperatives

Rural credit cooperatives is the local financial institutions of cooperation providing financial services for the development of agriculture, farmers and rural economic.It is an important part of China’s financial system. Rural credit cooperatives has played a positive role in improving income of farmers and promoting development of rural economic. But in recent years the problems that rural credit cooperatives can’t control farmers micro-credit risk is very outstanding, small loans risk situation showed a trend of increasing year by year, this article is based on the research of the farmers small loans risk, puts forward the method to solve the problem.First of all,this paper summarized the risk management theory about domestic and foreign micro-finance theory and analysis methods of preventing farmers small loans risk, to find credit risk prevention of rural credit cooperatives of Jian Chang county.Secondly, Through in-depth investigation and study and local farmers cooperatives rural credit cooperatives and local farmers in the field of investigation, fully mastered the Jianchang basic situation of rural credit cooperatives and farmers micro-credit risk characteristics.Again, found that the credit risk management problems in four aspects, there are mainly system implementation does not reach the designated position, post-loan inspection does not reach the designated position, employee training does not reach the designated position, process design is not reasonable. summarized internal causes and external causes of the risk according to the credit risk management. The internal cause is the imperfect risk management organization,management system, the unscientific risk management process, and so on. External causes mainly macro policy reasons, the cause of credit environment, risk guarantee mechanism is not sound, and place too much government intervention.Finally, in view of the risk of internal and external causes, and puts forward the target concept of farmers small loans risk management improvement, improve the system of risk management organization, improve risk management, risk management process re-engineering and safeguard measures are put forward. The improvement of the risk management of small loan has the target of improving the risk management of small loan, perfecting the organization of risk management, improving the risk management system and rebuilding the risk management process. The implementation of the safeguard measures are mainly to improve the protection mechanism, the human resources management system and sound credit risk management system.