Analysis On Credit Risk Of Rural Household Credit Cooperatives In Y City Rural Credit Cooperatives

As the demand for funds from the rural credit market continues to increase,the contradiction between the increase in the demand for loans from rural households and the lack of credit risk management for rural households will follow.Farmers' loans account for more than 50% of Y City's rural credit cooperatives' loan business.During the development of Y rural credit cooperatives,the problem of credit risk management has become increasingly prominent.This has seriously affected the sustainable development of Y rural credit cooperative farmers' loan business.Under such circumstances,it is of great practical significance to carry out a systematic analysis of the credit risk management issues of the rural credit cooperatives in Y City.The purpose of this paper is to study the credit risk of rural credit cooperatives in Y city at the present stage,and propose measures to meet the credit risk management of rural households in Y city's rural credit cooperatives,so as to maximize the prevention of the credit risk of the farmer households that have been generated,and to promote The purpose of the healthy development of rural household credit loans for Y rural credit cooperatives.This article first summarizes the overall credit risk situation of rural household credit loans in Y city rural credit cooperatives,including the current status of farmers' loan qualification access risk,pre-lending investigation and post-lending management risk status.The main credit risk faced by rural household loans at this stage is that the overall risk of rural household loans is still severe.The risk of individual rural credit cooperative farmer households is concentrated,and the non-performing households have relatively high non-performing loans.In view of the credit risk existing in the current rural household loans,the cause of the credit risk of the farmer household loans at the current stage is elaborated in three aspects: farmer households,enterprises themselves,and social markets.In the last part of the article,combined with the credit risk of the rural credit cooperatives in Y city,the control measures are given,including internal preventive measures,external preventive measures,and strengthening the guidance and management of loaned farmers.