Study On Rural Cooperative Bank Credit Risk Pr In Changsha Fu-rong

Rural cooperative Banks providing capital in China's rural financial development and the service "three rural" plays a very important role.But rural cooperative bank under the historical causes and conditions,lead to the credit risk management level is low,at the same time,in recent years the rural cooperative bank business is gradually increasing,facing greater credit risks.Formally opened rural cooperative banks in Changsha Fu-rong village,the bank's total assets of more than 90%are all types of credit assets,bank profits mainly by means of the savings and loan spreads in 2007.However,due to various factors,the rural cooperative bank record has accumulated a lot of bad loans,has directly affects its development and financial security and stability in Changsha Fu-rong.So important to study rural cooperative bank credit risk problem,and puts forward measures to prevent detailed analysis in Changsha Fu-rong,it is of profound theoretical research significance,also has the actual practical significance..This paper takes rural cooperative bank credit department given relevant data as the research basis in Changsha Fu-rong,thoroughly discusses cooperation bank credit risk prevention issues.First of all,in this paper,the research background and significance of the problem carried on the detailed elaboration,and clearly defines the related concepts,points out the research method and technical route of the various deficiencies;Second,regarding the cooperative finance and risk control to focus on these two concepts,it also expounds the characteristics of credit risk in detail and performance;Third,according to the actual situation,analyzes the credit risk status quo in Changsha Fu-rong,rural cooperative Banks,again is the basic concept of Changsha Fu-rong,rural cooperative Banks and their bad loans and the circumstances are expounded,then the loan risk concentration distribution,loan term and loan industry content such as the specific risk analysis;Fourth,the causes of the rural cooperative bank credit,and will make an analysis of the commercial Banks and explore risk causes of the similarities and differences between the two,and the external factors and internal factors affecting a detailed analysis of interpretation;Finallyaiming at the problem of credit risk of put forward the countermeasure and the suggestion of rationality and feasibility,which mainly covers the set up a sound social credit guarantee of the financial system,credit risk management system and a sound management mechanism and internal control mechanism,and overall improve the staffs quality,etc.,and hope to be able to help the rural cooperative bank can successfully transformed into rural commercial bank in Changsha Fu-rong.