Research On The Causes And Countermeasures Of Non-performing Loans Of CJ County Rural Credit Cooperatives

Now our country is implementing the strategy of rural revitalization,and the development of rural finance is an important part of it.The rural credit cooperatives,as the most important financial institutions,which play a key role in the rural areas.CJ County is rich in tourism resources and mineral resources,but industrial development is still at a low level.In the rural market,farmers mostly rely on cultivation and aquaculture as their main sources of life.Due to lack of financial support,ecological agriculture and agricultural industrialization are lagging behind.The CJ County Rural credit cooperatives are the largest financial institutions in the county,and the loan market share has always been the first.However,in recent years,the society has been plagued by the increase of non-performing loans,and the support for the "three rural" development is seriously threatened.Based on the classification of loan variety,customer type,industry and loan term,the present situation of non-performing loans in CJ County Rural Credit Cooperatives is analyzed in this paper,and the causes of the non-performing loans are studied from two aspects of the external and internal aspects.External reasons include: political,economic,social,and technical aspects;internal causes include: imperfect management system,lack of credit policy support,lax review of loan procedures,the need to improve the quality of professionals,unscientific assessment and incentive mechanisms,and information systems.The construction needs to be improved in six aspects.It is suggested that the agency only increase its communication and coordination with the government and increase its credit environment;internally perfects the corporate governance structure of the rural credit cooperatives,adjusts credit strategies,strengthens the management of loan procedures,increases the write-off of non-performing loans,and strengthens human resources.Resource management,the establishment of a scientific and rational assessment and incentive mechanism,and the strengthening of information system construction can effectively resolve non-performing loans.Finally,it is recommended that the agency improve the disposal efficiency of non-performing loans by drawing on and adopting new disposal models such as replacement,introduction of asset management companies,shareholder-funded purchase,debt repayment and loan compensation fund.Striving to help the CJ County Rural credit cooperatives solve the problem of non-performing loans as soon as possible,and make greater contributions to the smooth restructuring of rural commercial banks and to make greater contributions to the strategy of Rural Revitalization implemented by the state.