Control Study On The Credit Risk Of Farmer's Micro-credit From Rural Credit Cooperatives In Hunan Province

The development of microfinance in China is relatively late.Microcredit After three decades of development,driven by the government departments at all levels,the microfinance business of rural financial institutions has been in full swing and has developed rapidly.Microfinance played a positive role in broadening the channels of capital utilization,alleviating the financial pressure of rural financial markets and optimizing the business structure of rural financial institutions.However,it should also be noted that there are still some risks in the development of microcredit,such as the prevalence of anti-risk ability,information asymmetry,management is not in place,the system is not perfect and so on,so that the prevalence of microcredit generally higher potential Default Risk.How to implement effective risk prevention measures in rural areas under the mode of farmer financing and risk characteristics is very important in rural economic law.This paper uses the method of quantitative analysis and qualitative analysis,and analyzes the credit risk faced by Shaoyang City Rural Credit Cooperatives in the process of empirical analysis.This chapter is divided into six chapters,the first chapter is the introduction,the second chapter is the credit risk control of the microcredit of the peasant household.The third chapter introduces the present situation of the small loan of the rural credit cooperatives in Hunan province,This paper analyzes the problems existing in the risk management of microfinance in Hunan rural credit cooperatives,and then expounds the main risks of microcredit business of rural credit cooperatives.Finally,it analyzes the causes of microcredit risk in rural credit cooperatives.The fourth chapter analyzes the credit rating system,The fifth chapter puts forward the credit risk control measures of Hunan Rural Credit Cooperatives,and the sixth chapter summarizes the main conclusions of this paper,and points out that the credit risk of microcredit credit in Hunan rural credit cooperatives is studied,The shortcomings of this paper,in order to improve.