Study On Small And Medium-sized Enterprise Credit Risk Management Strategy Of Hunan Rural Credit Cooperatives

In June 2003,the state council issued the deepening the reform of rural credit cooperatives pilot program,all over the country further deepening the reform of rural credit cooperatives system work quickly.After several years development,the local rural credit cooperatives reform has achieved remarkable results.Since 2008,our country rural cooperative financial institutions reform from "pilot" into the "crucial",put forward higher requirements for the management of the rural credit cooperatives.But for a long time,rural credit cooperatives in China due to the management system and operational mechanism and internal control management and so on many factors,has accumulated considerable credit risk,credit risk has become an important problem restricting the development of China's rural credit cooperatives.Small and medium-sized enterprises in our country,on the other hand,is playing an increasingly important role in national economy,in order to seek a broader market,more stable return on investment,and a more extensive customer base,the rural credit cooperatives is bound to the development of small and medium-sized enterprise credit business market as an important field.Therefore,in this paper,the rural credit cooperatives in Hunan province small and medium-sized enterprise credit risk management,not only can effectively optimize credit cooperatives of credit risk management,and can improve the operation performance of rural credit cooperatives and industry competitiveness.In this paper,according to the thinking of "ask questions-analysis problem-problem solving" to research small and medium-sized enterprise credit risk management of rural credit cooperatives in Hunan province.First,put forward the credit risk awareness of small and medium-sized enterprise credit risk management of rural credit cooperatives in Hunan province is not strong,the credit risk management organization structure unreasonable,the credit risk management,internal control is not sound,and a series of problems such as small and medium-sized enterprise credit investigation is not complete,and then from the macroscopic economic environment and government intervention,credit cooperatives human resource configuration is not reasonable,lack of perfect internal control system and the complexity of small and medium-sized enterprise credit business for the reason of the problems existing in the four perspectives analysis.Finally for rural credit cooperatives in Hunan provincesmall and medium-sized enterprise credit management problems and their causes,from the positive reaction to macroeconomic environment and government intervention,strengthening human resources and control of credit risk,perfecting the credit system of internal control,the whole process of implementation of small and medium-sized enterprise credit business management,and promote the innovation of the small and medium-sized enterprise credit model,innovation of small and medium-sized enterprise management measures of non-performing loans at six dimensions corresponding optimization measures are put forward.Small and medium-sized enterprise credit risk management is a challenge and a opportunity for the development of rural credit cooperatives,based on the rural credit cooperatives in Hunan province as the research object,for small and medium-sized enterprise credit risk management in all aspects of the research,in order to achieve overall credit cooperatives business objectives more clear,small and medium-sized enterprise credit management will tend to be stereotyped,standardization,efficiency,rural credit cooperatives internal communication and coordination mechanism and risk prevention and control measures to further improve and progress expected results.At the same time,for Hunan rural credit cooperatives credit risk management plan implementation,from establishing the good market financial system,perfecting the financial laws and regulations,and reduce government intervention and cultivate good atmosphere of risk control four aspects put forward the corresponding measures.