Hohhot Rccs Loans Credit Risk Assessment

The 21 st century, our country social economy has made great progress and development, the market is the main place to economic growth and circulation, in the common economic place, credit is the main economic market pulse, is also the foundation of a market economy. Can only maintain the balance of economic market credit, norms, establish the premise of harmony, real market economy, that is to establish a good credit relationship, credit occupies advantageous position in the market.In recent years, with China’s rural economic development pace is accelerated, the development of rural credit cooperatives also ushered in a hitherto unknown challenge, loans to farmers as a main business of the current rural credit cooperatives, farmers can meet the demand for loans to a certain extent, has a broad market. But on the current situation of the rural credit cooperative’s development, due to many factors from inside and outside, which leads to some problems still exist in the credit risk management of credit cooperatives loans to farmers, for example, the mechanism is not perfect, lack of risk identification and lagging team construction, the development of the existence of these problems will certainly cause the rural credit cooperatives the huge economic losses. Therefore, a comprehensive understanding of the farmers’ credit and credit risk, and on this basis, combined with the actual situation of the current development of rural credit cooperatives, take countermeasures to improve scientific management is very important, which is the basis to ensure the smooth development of rural credit cooperatives, but also an important basis for realizing the goal of sustainable economic Cu Jinnong village. In this paper, Hohhot Rural Credit Cooperatives Loan Credit Risk Management Research and analysis of the risks, Hohhot from rural credit cooperatives loans to farmers in credit and risk management, discusses the existing rural credit cooperatives problems of credit risk management, and the analysis of the causes of problems, to begin from the government and the rural credit cooperatives their own development, to explore a fundamental measure to improve the development of rural credit cooperatives, hoping to provide a basis for the development of rural credit cooperatives on the basis of late.