Investigation And Analysis Of Credit Business Of Rural Credit Cooperatives In X County,Liaoning Province

With the continuous deepening of rural financial system reform,the continuous strengthening of investment in new rural construction and the strong support of the state for regional economic development policies,the rural regional economy has made rapid progress.The long-term development of agriculture,the rapid growth of farmers' income and the long-term prosperity of rural areas all require strong fiscal policy support.In this process,rural credit cooperatives have won a broad space for development thanks to the promotion of multiple forces and their unique location advantages in rural finance.At present,China's rural credit cooperatives have become an important part of promoting China's agriculture,rural and peasant development and new rural construction.It plays an important role in accelerating the level and quality of agricultural,rural and peasant financial services,promoting economic development in rural areas,and increasing farmers' income.Along with the rapid development of the rural economy in recent years,the rural credit cooperatives are rooted in the rural market,and the increasingly important role played by the rural financial sector is the guarantee for the steady advancement of economic development in rural areas of China.The most important business of rural credit cooperatives is credit business.Credit business is in a very important position in the entire banking system,and its business process runs through the management system of rural credit cooperatives.The credit business is eXtremely critical to the steady development of rural credit cooperatives,and it also contributes a lot to the profits of rural credit cooperatives.Once the credit business is at risk,it will greatly affect the development of the entire rural credit cooperatives.Under the current loose economic policy,the huge demand for funds from SMEs and agricultural development,and the pressure of fiercely competitive credit business,the scale of the credit business of rural credit cooperatives is eXpanding,which can easily lead to credit assets.It is difficult to obtain effective control of quality,and it is easy to increase the risk of credit business.This requires rural credit cooperatives to have strong risk resilience and achieve sustainable andstable operations.Targeted research on credit business has important theoretical and practical significance for the stable development of rural economic credit cooperatives and rural areas.This paper introduces the general situation of rural credit cooperatives in X County and the development of credit business from the aspects of financial development in X County,Liaoning Province,the development status of rural credit cooperatives in X County,and the development of credit business,and then combined data with Liaoning.The research results of the credit business of rural credit cooperatives in X County of Shandong Province were analyzed and the eXisting ills in the credit business of X County Rural Credit Cooperatives were discovered.The reasons were analyzed,and the proposal to improve the credit business level of rural credit cooperatives in X County of Liaoning Province was proposed.Good foundation,and finally,make targeted recommendations based on the eXisting deficiencies in the credit business.This study also has certain reference value for rural credit cooperatives and rural commercial banks with the same situation.