Research On Non-performing Loan Management Strategy Of SC Rural Credit Cooperatives

China's economic and social development has made great achievements,but the continuous flow of rural resources to cities and towns and the widening gap between urban and rural areas have become an important proposition that increasingly restricts China's economic and social development.Rural Credit Cooperatives aims to provide financial services for the peasant production and agricultural development and promote the economic development of rural areas in China.The Rural Credit Cooperatives have become more prominent.Promoting agricultural supply-side reform and peasants' poverty alleviation and income increase are the unshakable priorities of the rural credit cooperatives reform,but the problem of non-performing loans severely restricts the healthy development of the rural credit cooperatives and further restructuring.Under the background of the new era,taking SC Rural Credit Cooperative as the research individual,focusing on analyzing the causes of nonperforming loan ratio and corresponding management strategies,it will help to expand the existing research perspective of “three rural issues” and enrich the research content of financial theory.Based on the background and significance of reducing the non-performing loans of the rural credit cooperatives,this paper uses the literature reading method and the comparative analysis method,and combines the specific conditions of the SC Rural Credit Cooperatives to explore the high non-performing loan ratio and the non-performing loan amount of the Rural Credit Cooperative from both internal and external aspects.In order to explore the non-performing loan management strategy of SC rural credit Learning,the paper studies the development experience of rural financial cooperative organizations in developed countries,and then gives policy recommendations for reducing non-performing loans of SC rural credit cooperatives from two aspects: internal control strategies and external replenishment methods.Among them,the internal reasons for the high non-performing loan ratio of SC Rural Credit Cooperatives include the limited quality and ability of loan officers,the extensive credit management mechanism,the inadequate internal risk control system,the single loan object,and the particularity of the agricultural economy.Including the macroeconomic downturn,the lack of social credit,the imperfect risk protection mechanism,the imperfect laws and regulations,and the heavy burden of history.SC rural credit cooperatives non-performing loan management strategy.On the basis of analyzing the causes of non-performing loans,combined with the specific situation of SC Rural Credit Cooperatives,this study proposes suggestions from both inside and outside.The recommendations of internal control strategies include improving the quality and ability of loan officers,comprehensively deepening reforms,and improving corporate governance.And equity structure,standardize credit management,reduce credit risk,expand credit business,support and encourage agricultural economic development,etc.External recommendations include adapting to macroeconomic downward pressure,creating a social credit environment,improving agricultural risk protection mechanisms,and improving laws and regulations.Strengthen the legal supervision,remove the historical robe,and lightly carry out a certain development.Then the paper gives many shortcomings and prospects,pointing out that future research can focus on analyzing the interactions and systemic influences affecting non-performing loan factors,and verifying the factors affecting non-performing loans of rural credit cooperatives through scientific measurement methods and mathematical models,and Mathematical methods are used to explore the interaction between various factors and future trends,to make up for the lack of qualitative analysis.Finally,it is pointed out that SC Rural Credit Cooperatives will become SC rural commercial banks,and research subjects will take place in terms of property rights and institutions.Becasue of significant changes,future research needs to combine new conditions,specific analysis of new situations and new problems.