Study On The Rural Credit Risk Management Of Rural Credit Cooperatives In Sanming City Youxi County

As an important financial institution serving the rural area economy,rural credit cooperatives are affected by the whole environment,and the risk of loans is also increasing.Therefore,the rural credit cooperatives need to strengthen the management level of credit risk in rural areas.This paper takes the Sanming City Youxi County Rural Credit cooperatives as an example,and uses the methods of literature research,investigation,quantitative analysis and qualitative analysis to study the risk of rural credit cooperatives.It can provide a reference for the study of the current credit risk prevention in rural areas.It also can improve the rural credit cooperatives credit risk management level,and promote the sustainable development of rural credit cooperatives.At the same time,it also provides the corresponding reference for other financial institutions to carry out rural credit.This paper first introduced the Sanming City Youxi County rural credit cooperatives the basic situation of rural credit investment,and analyzes the quality of rural credit delivery.Through analysis,it believe that the quality of rural credit continues to decline.As a result,the credit risk of rural credit cooperatives is increasing.Secondly,the risk factors of Sanming City Youxi County Rural Credit cooperatives rural credit are identified.Through the identification,it get the main risk factors include market risk,operational risk,credit risk and policy risk.Thirdly,by using the method of AHP and fuzzy comprehensive evaluation method,it assessed the risk of rural credit cooperatives in Sanming City Youxi County Rural Credit cooperatives.The total score of rural.credit cooperatives' risk assessment is 4.42 points,and the market risk,credit risk,operational risk and policy risk score are 4.07,4.76,4.38 and 3.50.According to the set of comments,4-6 points are in the general risk range.Through the evaluation,the risk will seriously affect the security of credit assets.Finally,it put forward the rural credit risk control measures of the Sanming City Youxi County Rural Credit cooperatives.From the market risk control,it need to establish the price supervision and price supervision.From the credit risk control,it need to ensure that the borrower of personal integrity,active interest in the borrower's operation,strengthen financial risk prevention,to prevent misappropriation of loan borrowers.From the operate risk control,it need to enhance the comprehensive quality of personnel,improve the internal control of credit.From the policy risk control,it need attention to government policies,publicity and enforcement.