The Research Of Credit Risk Internal Control On DH Rural Credit Cooperative

As an agricultural country,China still has a long way to go in the part of financial services for agriculture,farmers and rural areas.We need strong financial policy support to maintain the long-term development of agriculture,to increase farmer income and to keep rural areas prosperity.At present,China's rural credit cooperatives,which have become the mainstay of China's financial industry to propel the development of agriculture,farmers and rural areas and promote new rural construction,have played an important role in accelerating the improvement of the level and quality of China's financial services,propelling the development of rural economy and increasing farmer income.In today's development of China's financial industry,to explore a set of internal control system of credit risk which is suitable for commercial banks is an imminent problem needed to be solved.Based on the field investigation of DH rural credit cooperative,this paper analyzes the current situation of credit risk internal control and finds out the main problems in this cooperative.It combines with the related theory,deeply researches the imperfect reason of internal control system of the credit cooperatives.Internal environment construction is not perfect,risk assessment link is not scientific,control activities link owe no specification and post-loan monitoring mechanism implementation does not reach the designated position.Then put forward the corresponding solution approach and the suggestion: to strengthen the construction of internal environment,improve the functional organization setting,To establish effective internal control of credit risk early warning system,perfect the post-loan management system,set post-loan responsibility combine with incentive mechanism.For construction of DH internal control system of rural credit cooperatives has certain theoretical guidance value.