Research On Rural Credit Cooperatives' Default Risk Control In WenJing County

After the country entered a new normal,with science and technology and ecological oriented modern agriculture urgently needed financial support.Injecting capital into rural areas can improve the plight of farmers and narrow the gap between the rich and the poor,which has a certain positive significance.The funding gap of the rural finance to the rural credit cooperatives to carry out the opportunities for farmers microfinance business.The rural credit cooperatives issued agricultural loans increased year by year,the proportion is increasing year by year.But with the development of the imbalance between the demand and supply of funds is still increasing,farmers loan guarantee is still a lack of effective,resulting in the risk management of rural credit cooperatives has been highly strained.From the actual situation,in recent years,the number of rural credit cooperatives increased significantly,and the proportion is growing.However,the risk associated with it is also gradually increasing,especially the collateral problems of farmers' loans can not withstand the credit risk,so the credit risk of rural areas is getting bigger and bigger.Farmers loan default is now very popular,the research in Wen Jing County Rural Credit Cooperatives as an example,discusses the basic theories related to loans based on,analyzes the Wen Jing County,the current loan situation,farmers,breach of contract,it tries to find out the factors influencing China County farmers loan default,finally put forward the relevant countermeasures,in order to reduce the farmer's loan default rates.In this paper,by way of questionnaire and interview of Wen Jing County 300 households farmers were investigated,survey data by the logistic model for data analysis,interviews ofWen Jing County Credit Union staff at the same time,concluded that the reason of affecting farmers loan default is many,farmers own reasons,credit management,also have the reason of the external environment,ultimately aiming at these factors proposed to improve rural credit cooperatives loan default countermeasures.The need to improve farmers cultural quality,non agricultural income,improve farmers' credit consciousness,strengthen credit risk management,strengthen the social credit environment,improve the ability to respond to market risk and natural risk aspects together to strengthen the management of agricultural households to reduce the risk of default.The rural credit cooperatives from the aspects of the process,system,credit evaluation work,in order to control the risk effectively,finally,this paper points out that,in order to reduce the credit cooperatives loan default risk,in addition to strengthening internal management,also need external credit environment protection,this paper from the farmers' own quality enhancement and the credit environment construction,compensation mechanism to establish and improve the anti risk ability of four aspects.