Research On Risk Management Of Small Credit Loans Of Rural Credit Cooperatives

Guizhou rural credit cooperatives of farmers loans to financial support for micro-credit in Guizhou Rural Economic Development major force is to protect the economic and social stability in rural areas an important financial products. Since small farmers credit risk comparison with other loan types is relatively high, so that rural credit cooperatives and other rural financial institutions, there is "abandoning rural town" business tendencies. In order to effectively solve the problem of the risk of micro-credit loans to farmers, so as the market competitors Guizhou rural credit cooperatives(including agricultural businesses, the same below) issuing credit small farmers in rural areas remained "profitable", is to improve its root in rural areas, small farmers actively issuing credit effectively support the efforts of the direction of the rural economy and society. Farmer microcredit loans by rural economic environment, farmers and agriculture industry characteristics and other conditions, many subjective and objective factors and cost constraints exist in risk management, so that all aspects of credit risk management of small farmers reach agricultural letter Club management objectives, the NPL ratio much higher compared to other loan types. In Mizar RCCs as research and exploration object to point to an area to carry out research on small farmers Reflections credit risk management, combined with the current basic conditions and characteristics of rural credit cooperatives small farmers Mizar credit risk management, credit proposed small farmers suggestion loan risk management. RCCs similar environments by small farmers more effectively optimizing credit policies and procedures,clear,refine and perfect the relevant details farmer credit rating of credit; by means of judicial, social "capable", government and other external social forces in the management of small farmer credit or income small farmers clearing bad credit loans; through effective incentive and restraint measures against employees and other participants in evaluation and incentive to improve the initiative and responsibility of relevant personnel;through the effective application of the farmers relations address, age, education, contact with farmers and other elements characteristic of credit status; farmers can be achieved through automated micro-credit loans and actively use the "Internet" technology, procedures, mass, mobility and other advantages of risk management objectives.