| At present,the development of domestic financial market changes with each passing day.So many internet financial innovation models continue to emerge,such as P2 P lending,network management,the third party payment and mobile banking.The traditional financial industry cannot be satisfied with the status quo,which in varying degrees prompting banks to improve risk control capacity.Over the years,the central document requires great efforts to promote the reform of rural financial system.Gansu provincial Party committee,the provincial government will also be promoting the farmer loan marketing work as one of the project.Farmers loans not only help farmers to expand reproduction,improve living conditions,but also conducive to the credit cooperatives to improve their own efficiency,which make the social and agricultural relations closely at the same time to achieve a win-win situation".In this paper,a large agricultural county was selected as the research object;the county's population is about 310 thousand,of which 270 thousand rural populations,accounting for about 87% of the county's population.Credit funds with the subject and operating profit of M County Rural Credit Cooperatives mainly originate from the service of "agriculture,countryside and farmers".So the effective recognition,measurement and prevention of operation risk,management and resolution have become the top priority of M county credit management.In the face of the new situation,new tasks and new requirements,loans to farmers marketing work must change according to the need,the time and the situation.Only in this way can we prevent risk at the same time,enhance the quality of credit business and service to the community.The author has carried on the on-the-spot investigation and research to the M County,has understood the situation of the local rural credit cooperatives loan and the risk management deeply,and has obtained the research data of this paper.Considering the serious desertification in M County,scarce precipitation,evaporation,sandstorm and other natural disasters occur frequently.By reading a lot of literature and based on the digestion and absorption of previous research on risk management,countermeasures and suggestions are proposed.The first chapter of this paper,through the understanding of the background of micro-finance and the study of the status quo of domestic and foreign research,the paper proposed four research content and four research methods.In the second chapter,through the survey questionnaire,borrowers visits and talking with credit agency staff,the status of micro-finance and the risk of M county was brief descriptive analyzed,mainly introduce household loan income,the purpose of the loan,repayment and so on.In the third chapter,combined with the survey data,the problems and causes of the micro credit risk of rural credit cooperatives in M county were found out.In the fourth chapter,the author puts forward countermeasures and suggestions to strengthen risk control of rural credit cooperatives in M county through the reasons of the problems such as the constant expansion of the scale of rural credit cooperatives and the neglect of risk management in recent years.First of all,the importance and urgency of risk management from the perspective of the business philosophy of rural credit cooperatives should be fully aware of the potential threat to the survival and development of rural credit cooperatives.In the process of operation and management,the risk management should be introduced into the strategic level to consider,ensuring that the risk strategy and its own development strategy are consistent with the business development.Secondly,the government should speed up the establishment of a sound risk management system.Lastly,the asset liability management system should be more scientific.Strengthen the management of debt,the implementation of effective asset liability management;these are the focus of risk management of rural credit cooperatives. |
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