Study On Risk Prevention And Control Measures For The Recessive Non-Performing Loans Of Rural Credit Cooperatives

The global economy is recovering slowly from the financial crisis,China's economy is in the early stages of economic policy to stimulate the country to implement,economic development is gradually slowing down from high speed growth,adjustment of economic structure,excess capacity of the enterprise mergers and acquisitions or exit the market.As a barometer of the enterprise,rural credit cooperatives also management transformation,credit risk lagging behind the transfer of credit,the complexity, concealment and contagion of credit risk are mainly reflected in the rebound of non-performing loans.Mainly manifested, a rebound of non-performing loans, hidden non-performing loans is widespread,the purpose of this study is to explore the reasons for the existence of rural credit cooperatives.Revealing the degree of the risk of the credit assets, reflecting the quality of the credit assets,improve the managementlevel, enhance the ability to resist risks.The rural credit cooperatives in Hulun Buir City as the research object, in theory as the basis, through the analysis of the case, case data, comparative analysis etc. method,in-depth analysis of the Hulun Buir non-performing loans of rural credit cooperatives recessive forms, realisticand analyzes its causes,major risks exist to commercial banks.This paper expounds the hidden bad loans of rural credit cooperatives in Hulun Buir. borrowing, credit concentration, the proportion of illegal conduct supervision over the loan interest income,the borrower is not in accordance with the repayment date of the contract to repay the loan principal and interest and government financing platform five forms, the formation of disposable income decline, reduce the credit funds, the actual provision coverage, lack of local main risk reputation risk, and the internal and external causes analysis.Make analysis of the status of its existence, the recessive non-performing loans, non-performing loans found to resolve some mode of tacit identification and rural credit cooperatives; relative theory and empirical analysis, makes the discussion to the internal control mechanism of rural credit cooperatives, find out the problem.Put forward how to resolve and prevent hidden non-performing loans measures to drop the recessive non-performing loans, to prevent hidden non-performing loans rebound, in order to achieve a sustained, healthy and stable development of rural credit cooperatives.Hidden non-performing loan forms vary in different periods, this paper combined with the risk management mode of domestic and foreign advanced identify, and control recessive non-performing loans nine measures, especially in promoting the construction of banks, strengthen the credit rating system and interest rate pricing mechanism construction, risk prevention and control system and the guiding principle, public opinion detection etc, to the current reform and development of rural credit cooperatives and the economic transformation of the rural credit cooperatives has a certain practical significance.