Research On Risk Control Of Small And Micro Credit In A Rural Credit Cooperatives

With the rapid development of China's economy and society and the increasingly open financial market,today's financial market has become more and more perfect,the scale of the banking industry is expanding,and competition is becoming increasingly fierce.To survive and develop,the banking industry's primary problem is to effectively expand its business scope and control credit risk.The development of small and micro enterprises that "effectively increase employment,promote economic growth,and ensure social harmony and stability" is conducive to expanding the business scope of rural credit cooperatives,and has important strategic significance for China to further adjust its economic structure and transform its economic growth mode..However,due to the small scale,low credit level,and insufficient collateral collateral,small and micro enterprises have made the rural credit cooperatives unwilling to give loans to some small and micro enterprises in order to avoid risks.Faced with the difficulty of financing small and micro enterprises,the rural credit cooperatives need to establish a scientific and effective small micro credit risk identification and control mechanism to promote the development of small and micro enterprises through small and micro credit,and achieve the effectiveness of cooperation and win-win.This paper firstly summarizes the research results of foreign scholars' long-term credit risk control,and summarizes the domestic scholars' research results on small micro credit risk and control,and summarizes the current various micro-credit risk control.theory.Secondly,on the basis of theoretical elaboration and argumentation on the status of A rural credit cooperatives and the status of micro-credit,this paper analyzes the credit risk control of small and micro enterprises in A rural credit cooperatives by means of literature research,questionnaire survey and actual research methods.The current situation and problems faced,the risks of the small credit of A Rural Credit Cooperative are summarized as four parts:“borrower risk,internal risk,external environmental risk and legal risk”.Again,the four risk points faced by A Rural Credit Cooperative's micro-credit were separately identified andevaluated.After the analysis of the identification and assessment,the various micro-credit risks were classified into three levels: “ high,medium and low ”.Finally,through the introduction of IPC technology,according to the actual situation and problems faced by A Rural Credit Cooperatives,the paper proposes risk control measures for how to control the“borrower risk,internal risk,external environmental risk and legal risk” in the credit of small and micro enterprises.