Research On Small And Micro Enterprise Credit Risk Management Of Jining Rural Credit Cooperatives

The rural credit cooperatives as the main service in China's rural economy,the rural financial services,especially financial services,will become the most important business areas.Based on the development of rural economy,rural credit cooperatives in the region Small and micro businesses and enhance the survival and development of a higher level of financial assistance.From the current diversification and innovation of social development,the financial services sector is also facing similar financial challenges.Because of the rural credit cooperatives in the region where the other financial institutions has been cut service scenes,development continued more worrying.In Jining City,the rural credit cooperatives in the internal control of outer tube etc.input A lot of energy,its purpose is to gain an edge from its own service quality and service efficiency,and enhance its competitiveness.In fact,Jining rural credit cooperatives exist many problems,which restrict the effectiveness of control.As the clerk of the business credit quality is worrying,lack of credit risk management and control efforts,there are many drawbacks such as credit rating it is the source of this credit,Jining rural credit cooperatives are facing greater potential risk management,these problems also weakened the Jining rural credit cooperatives on the coverage area of the Small and micro businesses development support function.The rural credit cooperatives in Jining city to achieve sustainable development,how to strengthen the Credit risk management and control is the focus of the location,but also should gradually take place of the effective risk control system and mechanism,which will also make the region's small and micro enterprises to get more adequate financial support.The rural credit cooperatives in Jining as the research object,and focus on the credit risk internal control,through qualitative and quantitative research,double,rational mining of the credit cooperative in their own inner tube construction as well as in small and micro control of enterprise credit risk management problems and produce credit problems are studied,and put forward the optimization scheme aiming at the control of Small and micro businesses credit risk arising in the problem,and proposed to strengthen the risk management of credit control.This will greatly promote the Jining rural credit cooperatives in the credit risk management to make more scientific,try persistent measures to help the credit cooperatives to solve credit risk Many risk management problems,and gradually formed the credit risk control strategy,rational and perfect system construction,lay a foundation for its healthy development.It will also credit risk control of credit cooperatives formed brothers reference,further from the practical level enhance the credit risk control methods of optimization and update,assist in the rural credit cooperatives the new competitive situation has a strong driving force for the development and persistence.