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Study On Risk Management System Of The Credit Loan In Shuangfeng County Rural Credit Cooperatives For Farmers

Posted on:2012-08-13Degree:MasterType:Thesis
Country:ChinaCandidate:B F CaoFull Text:PDF
GTID:2429330374491291Subject:Business Administration
Abstract/Summary:PDF Full Text Request
With the government paying more attention on the three dimensional rural issuesand deepening reforms of the rural credit cooperatives, the capital scale of rural creditcooperatives expands unceasingly and the business develops accelerate gradually, thenthe new management mechanism and management modes are established. However,there are problems for rural credit cooperatives both in in business management leveland business operation, which constantly show their risk control ability is poor. Inorder to guarantee the farmer credit business rapid and sustainable development, andpromote the healthy development of rural banking system,it is especially importantand urgent to discuss the farmer loan risk and its management.In recent years, the Shuangfeng county rural credit cooperatives actively exploreand perfect a series of credit risk management system, which make remarkableachievement. With the deepening reform of rural credit cooperatives, farmer credit riskmanagement process problems occurring in credit risk management of creditcooperatives puts forward a higher request. Based on this, using Shuangfeng county asa case, the paper analysis Shuangfeng county rural credit cooperatives's risk and findsthat the risk of loans to farmers mainly in the concept of lag credit risk management,risk identification and risk management mechanism is not sound scientific proceduresand other issues.Based on the objective reality of Shuangfeng rural financialsituation,We build a risk management system from the information systems,management tools, re-organization structure and management mechanism, staffdevelopment and take the establishment of a risk compensation mechanism, improvecredit control mechanism, the credit rating for approval to implement the responsibilitysystem, strengthen the loan after the inspection, the establishment of credit riskprevention system of the formula measures and security policies.
Keywords/Search Tags:Shuangfeng rural credit cooperatives, Farmers loans, Credit risk managementsystem, Internal control
PDF Full Text Request
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