Baoding Rural Credit Cooperatives Loan Risk Analysis And Control Countermeasures

Rural credit cooperatives is an important part of rural financial system in our country, in terms of service "three rural" plays an irreplaceable role. Due to the dual structure of urban and rural areas, agricultural development for a long time lag, the rural credit cooperatives in the incomplete national policy, funding support under the condition of insufficient of request, its development present a small scale, business scope is narrow, the condition of the low capital adequacy ratio and non-performing loans to be abundant, this present situation directly influence and restrict the level of the service "three agriculture". Since the commercialization reform of rural credit cooperatives started in 2003, the state of rural credit cooperatives puts forward "for their own risks, financial self-sufficiency, and self development" policy "four-self", so as to balance the risk and to achieve development is the major goal of rural credit cooperatives in recent period. Credit business as the main means of profit, the current rural credit cooperatives of its risk control becomes very important.In this paper, under the background of the history of the development research of China’s rural credit cooperatives, combined with domestic and foreign research concerning the credit risk, affecting the baoding rural credit cooperatives credit risk of the external environment and internal factors are analyzed, according to the actual situation of baoding rural credit cooperatives, mainly from the strategy level, tactics level and operation level three aspects to control credit risk specific ideas are put forward. First of all, from the strategic level, to adjust the credit strategy of rural credit cooperatives, the county governs enterprise market segmentation, classification of policy support, through the reform and development, to further expand the capital to gradually expand the rural credit cooperatives, improve the ability to risk cover; Second, from a tactical level, to clarify property rights, perfect the corporate governance structure, optimize the internal control process, the implementation of human capital incentive policies; Third, from the operating level, to improve risk management technology of rural credit cooperatives, by conducting credit product innovation, closely with the relationship between the high quality customers to dissolve the risk, the optimal state of asset quality.