Research On Credit Risk Management Of Rural Credit Cooperatives

Rural credit cooperatives are at the core of China's rural finance and are an inseparable part of China's financial system.While carrying out financial services for general commercial banks,it also carries the burden and historic mission of building “three rural issues” and is an important source of funds for the construction of a new socialist countryside.This is a problem that general commercial banks do not need to consider.Since the State Council promulgated the "Pilot Program for Deepening the Reform of Rural Credit Cooperatives" in 2003,rural credit cooperatives have been playing a more and more important role in supporting the construction of new countryside under the support of the state and local governments at all levels,especially in the Bank of China Under the guidance of the Bureau,since the rural credit cooperatives in various regions were successively restructured into rural commercial banks in 2011,they have achieved certain improvements in their operations and management,and all businesses have achieved spurt development.According to the "China's Monetary Policy Implementation Report for the Fourth Quarter of 2017" released by the Central Bank,as of the end of 2017,a total of 907 rural credit cooperatives with county-level(city)units,rural commercial banks,1,262 rural cooperative banks were established nationwide.33 homes.Achieved deposits of 27.2 trillion yuan and loans of 15 trillion yuan,an increase of 533.2% and 288% from 2005.However,we also noticed that the non-performing loan ratio of rural credit cooperatives is much higher than that of general commercial banks and the situation is very severe.Therefore,credit risk is a bottleneck for the development of rural credit cooperatives.It is extremely urgent how to avoid and handle credit risks.The framework of this article is mainly composed of six chapters.The first chapter is an introduction.It mainly discusses the background,research purpose,significance,methods and ideas of the paper,and points out the contribution and inadequacies of the paper,and draws up the main framework of the thesis.The second chapter is an overview of the credit risk theory of financial institutions.Mainly combing and commenting on credit risk theory of commercial banks and rural credit cooperatives,laying a foundation for subsequent chapters.The third section analyzes the current situation and problems of credit risk management of S Rural Commercial Bank.It mainly discusses the current situation of credit risk of S Rural Commercial Bank and analyzes the problems it faces.The fourth chapter is the experience of domestic and foreign commercial bank credit risk management.It mainly elaborates the main experiences of domestic and foreign commercial bank credit risk management,and at the same time,according to the current situation of China's rural credit cooperatives,summarizes the credit risk of domestic and foreign commercial banks to S farmers.The revelation of the firm.The fifth section is the countermeasures for credit risk management of S Rural Commercial Bank.Mainly for the current situation and analysis of S Rural Commercial Bank,we constructed the S rural commercial bank credit risk management strategy.The last chapter gives a summary of this article and further prospects.It points out that although the theory and practice both analyze the credit risk of S Rural Commercial Bank and propose corresponding countermeasures,there are still many problems that need to be solved.The credit risk management of rural credit cooperatives is a long way to go.