Research On Credit Risk Management Of Farmers'consumption Loans Of X Rural Credit Cooperative In Kunming

In September 2018,the Central Committee of the Communist Party of China(CPC)and the State Council issued the opinions on improving the mechanism for promoting consumption physique to further stimulate residents'consumption.January 17,2020,according to the National Bureau of Statistics of the People's Republic of China website,the rural resident population accounted for 39.4 percent of the total population in 2019,and the Rural residents grew by 9.6%disposable income.The rural market is in the middle and high speed development range.The Kunming X Rural Credit Cooperative facing its main customer group-the farmers,Launched a consumer loan credit products.This product had satisfied the farmer's credit fund demand in daily life and pushed forward the process of rural modernization at the local region.As the scale of business continues to expanding,consumer loans for rural households have become an indispensable source of income for The Kunming X Rural Credit Cooperative.Based on the above reasons,this paper takes x rural credit cooperatives in Kunming as the research object,focusing on the problem of credit risk management of consumer loan business of farmers in x rural credit cooperatives in Kunming,from two aspects:Internal Management and external economic environment,combined with the analysis of the comprehensive ability of the main borrowers,this paper makes a comprehensive analysis of the current situation of credit risk management of consumer loan business of farmers in the X Rural Credit Cooperative in Kunming,and conducts an investigation and a field investigation of its internal management system,data on non-performing loans are analyzed and summarized,and factors of borrowers'default on overdue consumer loans for rural households are studied,this paper deeply analyzes the problems and causes in the process of credit risk management of rural consumer loan in Kunming x Credit Cooperative,which are mainly from the lack of internal control to the lack of external finance.It also combs the credit risk management system of Kunming's x rural credit cooperatives in a normative and standard way,contrasts the supervision requirements with the excellent experience of credit risk of mature commercial banks,and sets out from the practice angle of the front-line business personnel,using the method of risk identification and risk evaluation to evaluate the level of credit risk management of rural credit cooperatives X in Kunming,and from the internal and external perspectives of rural credit cooperatives X in Kunming,and from the internal and external perspectives of rural credit cooperatives X in Kunming,this paper puts forward some measures to improve the credit risk management of rural household consumption loan,including strengthening the internal business management,improving the external credit environment,and cultivating professional talents.The implementation and application of these measures will be of great help to the improvement of the lack of credit risk management of rural households'consumer loans in Kunming x credit cooperative;And will also improve the overall credit risk management of Kunming x credit cooperative,it is of great reference value to all rural credit cooperatives in our province.