Construction And Improvement Of Credit Risk Control Of X Rural Credit Cooperatives

Rural Credit Cooperatives(RCCs)are the main financial institutions in China rural areas.They have always been responsible for the service of “agriculture,rural areas and farmers”.As the most widely distributed banking financial institution in rural areas,Rural Credit Cooperatives are responsible for providing financial services to rural areas and providing financing channels for rural small and micro enterprises.Although the Rural Credit Cooperatives have achieved certain operational achievements after reasonable management and management in recent years,due to historical reasons and the financial environment of rural areas,the operation of Rural Credit Cooperatives still faces severe challenges.Because there are still many shortcomings in the process of business process management and employee management in rural credit cooperatives,the non-performing loan ratio of Rural Credit Cooperatives is generally higher than that of other banking financial institutions.This paper adopts the entry point of non-performing loan ratio of X rural credit cooperatives.Qualitative and quantitative analysis of it,combined with the current management method of credit risk of X Rural Credit Cooperative,the conclusion of X Rural Credit Cooperatives in credit risk management,combined with the management characteristics of rural credit cooperatives,proposed construction and Improve the credit risk management recommendations of rural credit cooperatives.Through the analysis and argumentation of this paper,it can be seen that X Rural Credit Cooperatives have different degrees of deficiencies in human resources management,internal control system,risk control management,etc.In the credit work,it is necessary to strengthen the inspection and approval work of all aspects of credit workers.In the daily business process,it is necessary to clarify the responsibilities of various departments and employees.In response to the problems arising from the X Rural Credit Cooperatives in the credit business,through analyzing the possible reasons,it is proposed to improve the internal control system and strengthen the rural credit cooperatives.Loan conditions,increase staff training,and strengthen the external and internal supervision of rural credit cooperatives,so that Rural Credit Cooperatives can better manage credit risk.In the current financial environment,strengthening the management capacity of Rural Credit Cooperatives and building and improving credit risk management are of positive significance for the sustainable development of rural credit cooperatives.Strengthening credit risk management is both a requirement for its own external supervision and a necessary guarantee for sustainable development.