Research On Microcredit Risk And Control Countermeasures Of W Rural Credit Cooperative

W Rural Credit Cooperative is a local financial institution with independent legal personality established by farmers,individual rural industrial and commercial households,corporate legal persons and other economic organizations.For a long time,W Nongxin Co.,Ltd.,as a financial institution that supports “San Nong”,supports “San Nong”,serves “San Nong”,and provides credit funds for “San Nong”,has promoted the development of rural areas and rural industries,And eased the financing difficulties of small rural enterprises and farmers.With the continuous deepening of China's financial system reform,large banks and joint-stock banks have gradually withdrawn from some financial outlets in rural areas.As the main financial service provider in rural areas,WNCC has played a special role in providing financial services to rural areas.Outstanding role.At the same time,it also means that the task of serving the “three rural issues” is even more difficult.However,as the scale of credit continues to increase,non-performing loans are also increasing day by day.How to reduce the risk of microcredit and effectively reduce the risks of WRC in operation is a problem that WRC needs to solve urgently.Based on the risk control theory,this paper first summarizes the relevant research at home and abroad,and based on the micro-credit data of W Rural Credit Cooperative,from the overview of W Rural Credit Cooperative,the status of micro-credit,the existence of micro-loan risk control Three aspects of the problem,using questionnaires and actual cases for analysis,to study the problems in the microfinance business of rural credit cooperatives.Secondly,carry out risk identification,risk assessment and risk control on credit risk.Finally,it proposes targeted improvement measures for the problems of microfinance risk control of W Rural Credit Cooperatives.The measures include optimizing the internal control environment,accelerating the cultivation of compliance culture,strengthening the construction of credit teams,establishing a reasonable credit risk performance mechanism and other measures,which help WRC to understand the status quo and improve the level of risk control,which is good for Handan Rural Credit Cooperative Provide strong guarantee for development.