Research On The Credit Management Of Rural Credit Cooperatives In HY City

credit business is not only an important asset business of rural credit cooperatives and any other kinds of financial institutions, but also a main means for financial institutions to make profits. However, if it is badly managed, it will cause risks and damages. Therefore, the management of credit business plays an important role in promoting the development of rural credit cooperatives.In this essay, it will take rural credit cooperatives in HY, for instance. Through a field survey and visit, the author will have a basic understanding of Current status of the development of rural credit cooperatives in HY, and analyze the problems and shortcomings existing in the credit operations, such as pricing, service level, capital constraints and product innovation. At the same time, this essay will also make a further in-depth analysis on factors that restrict the development of credit business in rural credit cooperatives of HY, for example, there is a lack of adequate policy support; the governance mechanisms are not perfect; credit demand is changeable; farmers have a weak awareness of credit.Finally, in order to draw up a feasible blueprint for the development of credit business of rural credit cooperatives in HY, provide a reference for other institutions and look farther forward to the future development of credit business, strategy and means will be put forward to solve the above issues, including building prolific credit system, carrying out differential pricing mechanisms, doing a good job in credit marketing, strengthening the credit management, and enhancing risk control.