Research On Credit Risk Control Of Rural Credit Cooperatives

Rural credit cooperatives are the main force in rural finance of our country, is the finance bonds between farmers, the “three rural” and promote rural economic development. From the beginning of 2003, China’s rural finance system reform has entered a new stage. So far, the central government spends money on the rural credit cooperatives for buying mechanism has been implemented and has basically realized the goal of reform. Rural credit cooperatives established a modern enterprise management system, solved the history burden, rural credit cooperatives to glow the new vitality. Due to historical and practical reasons, compared with other large commercial banks and joint-stock commercial banks, the risk control level of rural credit cooperatives is not high, but the level of risk control directly related to the survival and development of rural credit cooperatives in the future.Raised credit risk factors internal and external factors can be divided into two categories. Among them, the external factors are beyond the control of the rural credit cooperatives, internal factors are controllable. Based on internal factors of credit risk is raised this point of view, the credit risk control of rural credit cooperatives was studied. Firstly, theories about the credit risk control, including the definition, types and characteristics of credit risk, and credit risk control objectives and principles, and so on. Secondly, rural credit cooperatives credit risk situation and study the problem existed. Finally, in view of problems existing in rural credit risk control, and related theories, learning from other commercial banks in advanced practice, presents effective countermeasures to control credit risks of rural credit cooperatives. From the institutional level building, personnel training and countermeasure analysis of credit culture construction in three dimensions. Hopes that the credit risk of the rural credit cooperatives control made useful explorations.