Research On Financial Risk Evaluation And Control Of HC Rural Credit Cooperative Based On Camel Evaluation System

The people take food as the day,the country takes agriculture as this,our country is the first big country of agriculture,agriculture is the foundation of our country,rural economic development is in the important position in our country's economic development.Rural economic development cannot be separated from financial support.At present,rural credit cooperatives are the most widely distributed and important rural financial institutions in China,and it is appropriate to call them "the rural people's own Banks".Shoulder the task of the rural financial development of rural credit cooperatives,rural credit cooperatives financial situation and the development status are the important factors that affect the rural economy,rural credit cooperatives only attach importance to their financial risks,establish and improve risk monitoring,take timely control measures to resolve the risk through the analysis of the evaluation to better serve farmers and the public,for the service "three rural" to lay the foundation.This paper takes HC rural credit cooperative association(hereafter referred to as HC rural credit cooperative)as the case,adopts literature research method,case analysis method and field investigation method,elaborates and defines relevant theories and concepts of financial risks,and comprehensively applies them.On the basis of fully understanding the basic situation of HC rural credit cooperatives and the status quo of financial risk assessment,and based on the camel evaluation system,indicators were selected from five aspects including capital adequacy,asset quality,management level,profitability and liquidity level to evaluate the financial risk of HC rural credit cooperatives.After in-depth analysis of the reasons for the formation of financial risks in HC rural credit cooperatives,control measures are proposed from six aspects: improving capital adequacy ratio,improving asset quality,improving management level,enhancing profitability,strengthening liquidity risk management,and establishing an effective risk warning system.This paper aims to effectively control the financial risk of HC rural credit cooperatives and provide some reference for related financial institutions in the evaluation and control of financial risk.