Research On Financial Risk Assessment And Control Of Binzhou Rural Credit Cooperatives

Today, the rapid development of China's market economy, enterprises face more and more opportunities and also face great challenges, especially the rural credit cooperatives.In order to survive itself in the fierce market competition, the rural credit cooperatives have to strengthen the enterprise competitive advantage. In order to adapt to the market demand change rapidly in today's economy, rural credit cooperatives should continue to improve their management level and risk control ability, promote business development mode upgrading, so as to gradually realize the management innovation, with the simultaneous development of the times. So, in this process, how to reduce the financial risk, and enhance the level of performance, this is the future research work of rural credit cooperatives in the priority among priorities.Through a lot of reading literature, have a general understanding of the rural credit cooperatives Management and risk control theory, combined with the actual case study and survey, conducted in-depth exploration on the problems of management of rural credit cooperatives in Binzhou. From the current situation, the main existing problems in our country credit union funds not timely, grasp the dynamics of the overall quality of the assets is not high, the fund use efficiency is low and so on. Binzhou City, compared to other regions within the same industry, in some respects, there are still many areas in need of improvement. This paper mainly through the development of rural credit cooperatives,the future level of income, capital adequacy, safety and disposable comprehensive analysis,the establishment of a financial risk assessment of corresponding system, so that rural credit cooperatives in Binzhou city of current risk assessment score, the score can be seen in the present situation, the main face as: financial risk for years are maintained at a high level, the funds are more common, to a certain extent the risk than other parts of credit cooperatives to slightly smaller, but also need to take further measures to suppress the increased risk of. The study found that, the risk financial. Binzhou city rural credit cooperatives are facing, is mainly due to the risk control consciousness, related system is still not perfect, have not formed a comprehensive management system, resulting in theoverall quality of employees is low and other factors. Therefore, this paper to solve the problems existing in the management system, and puts forward some opinions and suggestions, hoping to provide some valuable theoretical basis to future research.