Study On The Problem Of Bad Assets Of Rural Credit Cooperatives In Hebi City

Rural credit cooperatives(hereinafter referred to as the rural credit cooperatives)non-performing assets to form complex: reasons for the formation history factors and their own system services,subjective and objective,system and non-system factors,etc.Bad assets problem seriously affects the benign operation and stable development of rural credit cooperatives,and to further restrict the rural credit cooperatives as the main force in rural finance can play a role.Hebi city rural credit cooperatives and its bad assets have certain representativeness.In the current agricultural modernization under the background of the transformation and upgrading of rural credit cooperative to the bank and,for the problem of Hebi cooperatives of bad assets necessary and meaningful.The thesis is divided into six chapters.The first chapter provides an overview of metasomatism indications paper research background,significance,design,deficiencies and possible innovation place.The second chapter to the fifth chapter is the main part of the paper.First,the second chapter of rural credit cooperatives,rural credit cooperatives credit market and the current situation of non-performing assets to conduct a comprehensive combing,and define the concept of non-performing assets of rural credit cooperatives and rural credit cooperatives,analyzes the characteristics and influence of the latter.Then,the third chapter briefly describes the present situation of Hebi city rural credit cooperatives,and specifically analyzes the present situation of the non-performing assets,has formed over time,wide distribution and recovery characteristics.On this basis,the fourth chapter analyzes the Hebi city the external internal reasons for the formation of non-performing assets in the rural credit cooperatives,and summing up the causes of several typical.According to this,the fifth chapter in the reference of domestic Banks and rural credit cooperatives in developed regions on the basis of the successful experience of bad assets disposal,from expanding propaganda,improve management,strengthen the collection,with the aid of outside force,Angle of the institutional incentives such as Hebi city rural credit cooperatives of bad assets disposal methods are proposed,and further from the internal control,process optimization,and the view of customer credit management system of bad assets to prevent rural credit cooperatives is constructed.Finally,The sixth chapter puts forward the conclusion of the thesis and continue to study directionThe thesis hopes to Hebi city bad assets management practice provides certain theoretical guidance,the bad assets of rural credit cooperatives management for other areas to provide communication and reference;At the same time also hope to further enrich the bad assets management related theory.