Study On Risk Management Of Small Credit Loans For Rural Households In Gansu Yuzhong Rural Cooperative Bank

As the main force of rural finance in China,rural credit cooperatives take the service of "agriculture,rural areas and farmers" as their own duty and make great contributions to increase farmers' income,increase agricultural production and rural prosperity.As a credit product specially developed by rural credit cooperatives to solve the problem of "difficult to obtain loans and expensive loans",rural credit cooperatives play a very important role in the business development and social responsibility fulfillment of rural credit cooperatives.Along with the rapid development of rural economy,farmers demand for credit funds continue to increase,farmers microcredit loans business increasing,lead to non-performing loan ratio rising year by year,farmers growing microfinance risk management problems,therefore,how to use advanced and scientific credit risk management methods to control such risks,become a problem to be solved in the future development of rural credit cooperatives.Taking gansu farmers microcredit loans yuzhong rural cooperative bank as the research object,to "find problems to analyze problems,solve the problem" as the main line,to gansu yuzhong farmers small rural cooperative bank credit risk management analysis of existing problems in the research,put forward the optimized scheme for the existing problems.Firstly,the relevant theories of risk management of financial enterprises are sorted out.Secondly,the paper expounds the current situation of the risk management of small credit loans for farmers in gansu yuzhong Rural Cooperative bank,finds out the main problems in the risk management and makes a brief analysis of the causes.Finally,using the theory of credit risk management related,in view of the practical problems,put forward the optimization scheme of concrete from the optimization of risk monitoring and early warning mechanism,improve the loan approval process,improve the level of credit risk management after,strengthening the supervision and inspection,improve risk management team quality and so on six aspects,finally realizes the gansu yuzhong farmers small ruralcooperative bank credit risk management flow,loan approval institutionalization,post-loan management scientific,realize farmers microcredit yuzhong in gansu rural cooperative bank asset quality improvement and the sustainable development of the business.At the same time,in order to ensure the implementation of the program,according to the rural cooperative bank of yuzhong gansu farmers small credit loan management practice,put forward the corresponding safeguard measures.Small farmers in yuzhong of gansu province rural cooperative bank credit risk management research,one is to solve the problem of gansu yuzhong farmers small rural cooperative bank credit risk management problems that exist in the optimization scheme is put forward,in order to achieve lower yuzhong gansu rural cooperative bank small farmers credit risks,improve credit risk management ability,guide the farmers of microcredit loans in the direction of the positive healthy development;The second is to provide reference for enriching the risk management system of rural credit cooperatives' small credit loans to farmers and solving the problem of farmers' demand for small credit funds.At the same time,it also provides reference for other financial institutions to develop farmers' small credit business.