Research On Credit Risk Control Of China Rural Credit Cooperatives

As the main members of China's rural financial institutions, the rural credit cooperatives bear the main responsibility to support agriculture development. In recent years, rural credit cooperatives have begun to carry out joint-stock reform under the guidance of national policies, but the restructuring progress is not going well because of the historical reasons and constraints, the low level of credit risk management, and the poor asset quality. Simultaneously, the work of supporting agriculture is not going smoothly. Therefore, how to effectively prevent and control the credit risk, and to improve the level of credit risk management, have become an urgent problem for China's rural credit cooperatives to solve.Starting with the credit risk management theories, this article first introduced the comprehensive risk management theory, and put forward the need for rural credit cooperatives to implement the comprehensive risk management. Then this article describe the overview of GX rural credit cooperatives, study the cause of formation, the main factors affecting credit risk, and analysis the development trends of the credit risk. After that, this article tell us the credit management system of GX rural credit cooperatives, analysis the lack; finally, on the basis of the above study, a comprehensive risk management system suitable for China's rural credit cooperatives is put forward, which is consist of the personnel system, cultural system, internal control system, operation flow system, evaluation system and the system of rewards and penalties.